The Merchants & Citizens Bank

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The Merchants & Citizens Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Merchants & Citizens Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2025, The Merchants & Citizens Bank had $152,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,030,000 in equity and $1,163,000 in loans loss reserves. That gives it a Texas Ratio of 1%.

Return on Equity

The Merchants & Citizens Bank has a Return on Equity of 7.63% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

The Merchants & Citizens Bank has a Capitalization of 9.61% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

As of March 31, 2026, The Merchants & Citizens Bank had assets of $145,987,000, loans of $52,152,000, and deposits of $131,991,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.