M&C BANCSHARES INC is the parent banking group. THE MERCHANTS & CITIZENS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

M&C BANCSHARES INC

Legal name: M&C BANCSHARES, INC.

1 active bank · $148M combined assets

RSSD ID: 5586321 (FFIEC NIC)

Combined Assets

$148M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE MERCHANTS & CITIZENS BANKMCRAE, GASatisfactory$148MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$148M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$132M

Net Income

$230K

ROA (avg)

0.64%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE MERCHANTS & CITIZENS BANK	MCRAE, GA	FDIC	$148M	100.0%	Satisfactory	Aug 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.