Total Assets
$506.0M
Total Deposits
$393.7M
Branches
2
Established
2006
Merchants Commercial Bank is a bank headquartered in St Thomas, U.S. Virgin Islands, established in 2006. It holds $506.0M in total assets across 2 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Merchants Commercial Bank earns a TFS Financial Health Grade of B- (76.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
76.7 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Merchants Commercial BankHQ | 4608 Tutu Park Mall | St Thomas | VI | 11 |
| Merchants Commercial Bank | Parcel 18-21estate Enighed - Islandia Building 1st Fl | St John | VI | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
76.7
Tier 1 capital ratio
10.79%
Return on assets
1.91%
Non-performing loans
1.76%
Efficiency ratio
49.76%
Asset growth (YoY)
4.16%
Suggested direct comparisons
Christiansted, VI
$18.2M
Mega Bank
San Gabriel, CA
$506.7M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.