$526M
+7.0%y/y
Percentile by value53rd percentileby value
FDIC
ASSETMC
Merchants Commercial Bank
St Thomas, U.S. Virgin IslandsFDIC Cert #58184
STATEEstablished 20060 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMerchants Commercial Bank reported $526M in total assets. Deposits grew 8.02% over the prior year.
Return on assets was 1.90%, compared with an asset-peer median of 1.22%. The leverage ratio was 10.75%.
- Why is Efficiency Ratio below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Net Loan Growth, Year over Year above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$413M
+8.0%y/y
Percentile by value46th percentileby value
FDIC
DEP$224M
+18.9%y/y
Percentile by value17th percentileby value
FDIC
LNLSNET1.90%
+18 bpsy/y
Peer standing84th percentile
FDIC
NETINC + ROA49.58%
−75 bpsy/y
Peer standing83rd percentile
FDIC
NONIX + NIM + NONII + EEFFR10.75%
−27 bpsy/y
Peer standing52nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $359M | $323M |
| Q3 2021 | $339M | $303M |
| Q4 2021 | $399M | $363M |
| Q1 2022 | $425M | $402M |
| Q2 2022 | $456M | $425M |
| Q3 2022 | $445M | $363M |
| Q4 2022 | $586M | $561M |
| Q1 2023 | $487M | $413M |
| Q2 2023 | $442M | $363M |
| Q3 2023 | $440M | $352M |
| Q4 2023 | $502M | $371M |
| Q1 2024 | $473M | $365M |
| Q2 2024 | $485M | $363M |
| Q3 2024 | $462M | $331M |
| Q4 2024 | $467M | $360M |
| Q1 2025 | $492M | $383M |
| Q2 2025 | $486M | $385M |
| Q3 2025 | $497M | $387M |
| Q4 2025 | $486M | $372M |
| Q1 2026 | $526M | $413M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $7.4M |
| Investor CRE | $58.6M |
| Multifamily | $12.3M |
| Construction | $21.8M |
| 1–4 family | $106M |
| C&I | $20.2M |
| Agriculture | $0 |
| Other | $236K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.90%84th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE34.76%98th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.56%34th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.58%83rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+8.02%74th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+18.87%92nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.84%13th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ10.75%52nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.88%4th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 0 branches
- Headquarters
- St Thomas, VI
FDIC
OFFDOMOpen the U.S. Virgin Islands dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data