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Merchants Commercial Bank

$100M-$1B Specialty: Other VI FDIC cert 58184

St Thomas, VI

2 branches across VI

2664 banks in the $100M-$1B peer group nationally 1 in VI
View $100M-$1B leaderboard (VI) →

Merchants Commercial Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 18.26% above tier average
  • + ROA 0.63% above tier average
  • + Efficiency Ratio 15.70% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.37% below tier average
  • - Delinquency Rate 0.97% above tier average
Get updates when Merchants Commercial Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (VI) National Avg Tier Percentile
Total Assets ? $526.1M
+7.0% YoY +8.3% QoQ
+$140.0M $386.1M
+0.5% YoY
$526.1M
+7.0% YoY
$6.2B
+9.1% YoY
74%
Total Loans ? $224.0M
+18.9% YoY +2.5% QoQ
-$31.7M $255.7M
+1.1% YoY
$224.0M
+18.9% YoY
$3.2B
+10.8% YoY
54%
Total Deposits ? $413.2M
+8.0% YoY +10.9% QoQ
+$85.2M $328.0M
+0.1% YoY
$413.2M
+8.0% YoY
$4.8B
+8.2% YoY
71%
Return on Assets ? 1.90%
+10.6% YoY +6.9% QoQ
+0.63% 1.27%
+12.9% YoY
1.90%
+10.6% YoY
1.23%
+13.4% YoY
85%
Net Interest Margin ? 3.56%
+8.5% YoY +3.1% QoQ
-0.37% 3.93%
+6.0% YoY
3.56%
+8.5% YoY
3.89%
+5.7% YoY
33%
Efficiency Ratio ? 49.58%
-1.5% YoY -1.3% QoQ
-15.70% 65.29%
-4.5% YoY
49.58%
-1.5% YoY
66.95%
-4.1% YoY
85%
Delinquency Rate ? 1.86%
-22.5% YoY -26.3% QoQ
+0.97% 0.89%
+18.8% YoY
1.86%
-22.5% YoY
0.95%
+18.8% YoY
Bottom 14.0% in tier
Loan-to-Deposit Ratio ? 54.21%
+10.0% YoY -7.6% QoQ
-22.43% 76.64%
+0.8% YoY
54.21%
+10.0% YoY
76.70%
+0.9% YoY
Top 12.9% in tier
Non-Interest-Bearing Deposit Share ? 40.28%
-3.6% YoY +2.4% QoQ
+18.26% 22.02%
-1.0% YoY
40.28%
-3.6% YoY
22.01%
-1.2% YoY
Top 4.5% in tier
Nonperforming Asset Ratio ? 0.79%
-14.0% YoY -30.2% QoQ
+0.15% 0.64%
+19.7% YoY
0.79%
-14.0% YoY
0.67%
+19.3% YoY
26%
Tier 1 Capital Ratio ? 10.75%
-2.4% YoY +0.4% QoQ
-5.08% 15.83%
+1.5% YoY
10.75%
-2.4% YoY
17.06%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.12%
+37.9% YoY -66.2% QoQ
-0.16% 0.28%
+9.3% YoY
0.12%
+37.9% YoY
0.32%
+4.1% YoY
63%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

121
Non-Interest-Bearing Deposit Share
funding
Value: 40.28%
Peer Median: 22.02%
#121 of 2664 Top 4.5% in $100M-$1B
345
Loan-to-Deposit Ratio
liquidity
Value: 54.21%
Peer Median: 76.64%
#345 of 2664 Top 12.9% in $100M-$1B
406
Efficiency Ratio
profitability
Value: 49.58%
Peer Median: 65.29%
#406 of 2664 Top 15.2% in $100M-$1B
407
Return on Assets
profitability
Value: 1.90%
Peer Median: 1.27%
#407 of 2664 Top 15.2% in $100M-$1B

Top Weaknesses (2 metrics)

2284
Delinquency Rate
credit_quality
Value: 1.86%
Peer Median: 0.89%
#2284 of 2654 Bottom 14.0% in $100M-$1B
2134
Tier 1 Capital Ratio
capital
Value: 10.75%
Peer Median: 15.83%
#2134 of 2664 Bottom 19.9% in $100M-$1B
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