Merchants Commercial Bank
St Thomas, VI · State Bank, Not a Federal Reserve Member
Summary
- Total assets: $506 million
- Total deposits: $394 million
- Total loans: $237 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 7.7% |
| Multifamily | 6.3% |
| Owner-occupied commercial real estate | 3.1% |
| Non-owner-occupied commercial real estate | 24.8% |
| Residential | 49.7% |
| Commercial & industrial | 8.5% |
| Consumer & other | -0.0% |
Health indicators
- Tier 1 leverage ratio: 10.79%
- Total risk-based capital ratio: 0.00%
- Noncurrent loans: 1.76%
- Net charge-offs: -0.00%
- Return on assets: 1.91%
Local footprint
| County | Branches | Deposits |
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