TellerScore

Headquartered in St Thomas, U.S. Virgin Islands, Merchants Commercial Bank is a state-chartered bank with $506.0M in total assets and $393.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 2006.

Based on its Q2 2026 filing, Merchants Commercial Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Its strongest component is earnings (96/100; 1.91%), and its lowest is loan quality (41/100; 1.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.79%
Loan quality41/100
Noncurrent loans ÷ total loans: 1.76%
Earnings96/100
Return on assets (annualized): 1.91%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 59.6% · 29.8% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.16%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (58 → 67), mostly because the problem-loan coverage component improved by 23 points.

TellerScore
576471Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202465
Q4 202464
Q1 202559
Q2 202558
Q3 202557
Q4 202559
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%8.01%11.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.36%
Q3 202410.65%
Q4 202410.88%
Q1 202511.02%
Q2 202510.12%
Q3 202510.51%
Q4 202510.71%
Q1 202610.75%
Q2 202610.79%
Noncurrent loans
1.01%1.80%2.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.01%
Q3 20241.90%
Q4 20242.11%
Q1 20252.37%
Q2 20252.16%
Q3 20252.58%
Q4 20252.50%
Q1 20261.84%
Q2 20261.76%
Return on assets
1.72%1.99%2.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.27%
Q3 20242.20%
Q4 20242.12%
Q1 20251.72%
Q2 20251.81%
Q3 20251.83%
Q4 20251.78%
Q1 20261.90%
Q2 20261.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$506.0M10.79%1.76%1.91%59.6%
Q1 202666$526.1M10.75%1.84%1.90%54.2%
Q4 202559$486.0M10.71%2.50%1.78%58.7%
Q3 202557$496.9M10.51%2.58%1.83%54.1%
Q2 202558$485.8M10.12%2.16%1.81%51.4%
Q1 202559$491.6M11.02%2.37%1.72%49.3%
Q4 202464$466.7M10.88%2.11%2.12%51.2%
Q3 202465$461.8M10.65%1.90%2.20%55.4%
Q2 202471$484.6M10.36%1.01%2.27%48.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.79%
46th
Total risk-based capital0.00%
24th
Problem loans1.76%
15th
Net charge-offs-0.00%
81st
Return on assets1.91%
84th
Net interest margin3.62%
33rd
Efficiency ratio49.8%
84th
Loans to deposits59.6%
83rd
Uninsured deposits29.8%
29th
Loan-loss reserves0.99%
25th
Texas ratio12.2%
14th

Deposit insurance

Is my money safe at Merchants Commercial Bank?

Yes. Merchants Commercial Bank is an FDIC-insured institution (FDIC certificate #58184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.8% of deposits ($117.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Merchants Commercial Bank lists 2 offices in 2 cities. Most locations:

  • St John, VI (1)
  • St Thomas, VI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Merchants Commercial Bank
Type
State-chartered bank
FDIC certificate #
58184
RSSD ID
3487433
Primary regulator
FDIC
Established
October 30, 2006
Headquarters
4608 Tutu Park Mall, St Thomas, VI 00802
Employees
39

Quick answers

Merchants Commercial Bank: common questions

Is Merchants Commercial Bank FDIC insured?

Yes. Merchants Commercial Bank is an FDIC-insured institution (FDIC certificate #58184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Merchants Commercial Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Merchants Commercial Bank ever failed?

There is no failure record for FDIC certificate #58184 in the FDIC failed bank list.

How many branches does Merchants Commercial Bank have?

2 offices as of the latest FDIC data.

Nearby

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