SBA lender profile
The Merchants & Citizens Bank
The Merchants & Citizens Bank appears in the public SBA loan data with 1 funded 7(a) loan since FY2010, totaling $263K, an average of $263K per loan, and an estimated 25 jobs supported. Its SBA lending concentrates in Georgia and the Accommodation and Food Services sector. With only 1 7(a) loan in the data, the sample is too small to read a charge-off rate as a track record.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
Is The Merchants & Citizens Bank the right lender for you?
The Merchants & Citizens Bank appears in the SBA record with 1 funded loan since FY2010, too few to read as a lending pattern. That is not a mark against the institution, but it does mean the record cannot tell you whether it lends to businesses like yours. Lenders with a deeper track record in your state and industry can.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $148M
- Headquarters
- Mcrae, GA
- FDIC cert
- #183
- Status
- Active
Where The Merchants & Citizens Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Georgia | 1 | $263K |
What The Merchants & Citizens Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 1 | $263K |
The Merchants & Citizens Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2024 | 1 | $263K |
Related SBA lenders
Other lenders active in Georgia or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
The Merchants & Citizens Bank: frequently asked questions
Does The Merchants & Citizens Bank offer SBA loans?
Yes. The Merchants & Citizens Bank appears in the public SBA data with 1 funded SBA 7(a) loan totaling $263K.
How many SBA loans has The Merchants & Citizens Bank made?
The Merchants & Citizens Bank is associated with 1 SBA 7(a) loan totaling $263K in the public SBA data (as of 2026-03-31).
What is The Merchants & Citizens Bank's SBA charge-off rate?
The Merchants & Citizens Bank appears with only 1 7(a) loan in the data, too few for a charge-off rate to be meaningful as a track record. The SBA Lender Score treats fewer than 20 loans as insufficient data for the same reason; see our methodology.
Where does The Merchants & Citizens Bank do most of its SBA lending?
The Merchants & Citizens Bank's SBA lending in the data is most concentrated in Georgia, and by industry in Accommodation and Food Services.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). The Merchants & Citizens Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/the-merchants-citizens-bank/
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