Merchants Commercial Bank

BankSt Thomas, U.S. Virgin Islands
http://www.merchantscommercial.bank

Total Assets

$486.0M

Total Deposits

$372.5M

Established

2006

TFS Health Grade

$
D

64.2 / 100

Below average financial health

How we grade

Merchants Commercial Bank is a bank headquartered in St Thomas, U.S. Virgin Islands, established in 2006. With $486.0M in total assets, it has a TFS Financial Health Grade of D (64.2/100).

Capital & Safety

Tier 1 Capital Ratio
10.71%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
2.50%

Profitability

Return on Assets (ROA)
1.78%(1%)
Return on Equity (ROE)
41.23%(10%)
Net Interest Margin
3.45%
Efficiency Ratio
50.22%(60%)

Lending & Liquidity

Total Loans
$220.8M
Loan-to-Deposit Ratio
58.68%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+4.13%
Deposit Growth (YoY)
+3.41%
Net Income
$8.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in U.S. Virgin Islands