What is the current majority party in congress?

There are two different houses: Senate and Congress. Democratic currently holds majority in the House of Representatives while Republicans hold majority in the Senate.

It is republican with 54 seats and the minority party is democrat with 44 seats

both are true, the congress does have the power to create banks, even if this power is not specifically described in the constitution, since there is nothing restricting it and there is power given to the congress to make "all laws which shall be necessary and proper". maryland was not allowed to tax a branch of the national bank operating there, and the supreme court decided that no state could. both of these topics were discussed in a decision of the mcculloch v. maryland case in 1819.