BlastPoint's Banking Scorecard
Merchants Commercial Bank
St Thomas, VI
2 branches across VI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 1 in VI.
- Deposits +2.3% year over year ($393.7M on the books).
- Delinquency rate 1.78%.
- Return on assets 1.91%.
- Efficiency ratio 49.76% vs a 64.48% peer average.
- Loan-to-deposit ratio 59.59% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Merchants Commercial Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.68% above tier average
- + ROA 0.59% above tier average
- + Efficiency Ratio 14.72% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.37% below tier average
- - Delinquency Rate 0.86% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$506.0M
+4.2% YoY
-3.8% QoQ
|
+$119.4M |
$386.6M
+1.2% YoY
|
$506.0M
+4.2% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$234.6M
+18.7% YoY
+4.7% QoQ
|
-$23.8M |
$258.3M
+1.7% YoY
|
$234.6M
+18.7% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$393.7M
+2.3% YoY
-4.7% QoQ
|
+$67.0M |
$326.7M
+0.7% YoY
|
$393.7M
+2.3% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
1.91%
+5.6% YoY
+0.4% QoQ
|
+0.59% |
1.32%
+10.8% YoY
|
1.91%
+5.6% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
3.62%
+6.0% YoY
+1.8% QoQ
|
-0.37% |
3.99%
+5.0% YoY
|
3.62%
+6.0% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
49.76%
-0.1% YoY
+0.4% QoQ
|
-14.72% |
64.48%
-3.2% YoY
|
49.76%
-0.1% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? |
1.78%
-18.9% YoY
-4.5% QoQ
|
+0.86% |
0.92%
+15.7% YoY
|
1.78%
-18.9% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
59.59%
+16.0% YoY
+9.9% QoQ
|
-18.37% |
77.95%
+1.0% YoY
|
59.59%
+16.0% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
40.71%
-5.2% YoY
+1.1% QoQ
|
+18.68% |
22.03%
-0.6% YoY
|
40.71%
-5.2% YoY
|
21.98%
-0.6% YoY
|
Top 4.2% in tier |
| Nonperforming Asset Ratio ? |
0.82%
-7.5% YoY
+4.0% QoQ
|
+0.15% |
0.67%
+16.4% YoY
|
0.82%
-7.5% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
10.79%
+6.6% YoY
+0.4% QoQ
|
-5.11% |
15.91%
+1.4% YoY
|
10.79%
+6.6% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.22%
+24.2% YoY
+83.8% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.22%
+24.2% YoY
|
0.66%
+5.2% YoY
|
56% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
40.7%
-2.2pp YoY +0.4pp QoQ |
+18.6pp | 22.1% | 40.7% | 22.2% | 96% |
| Brokered Deposits |
23.7%
-2.3pp YoY -4.0pp QoQ |
+15.9pp | 7.9% | 23.7% | 8.5% | 94% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.6%
-1.0pp YoY -0.4pp QoQ |
-3.0pp | 11.6% | 8.6% | 12.5% | 44% |
| CRE |
42.3%
-4.0pp YoY -2.4pp QoQ |
+2.7pp | 39.5% | 42.3% | 41.4% | 57% |
| 1-4 Family |
50.1%
+5.1pp YoY +2.9pp QoQ |
+17.5pp | 32.6% | 50.1% | 31.3% | 82% |
| Consumer |
0.5%
-0.3pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 0.5% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | n/a | 19.7% | n/a |
| Leverage Ratio |
10.8%
+0.7pp YoY 0.0pp QoQ |
-1.4pp | 12.2% | 10.8% | 12.6% | 46% |
| Total Capital Ratio | n/a | n/a | 19.9% | n/a | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
+2 (+5.4%) YoY -1 (-2.5%) QoQ |
-20 | 58 | 39 | 482 | 40% |
| Assets per Employee ($) |
$13.0M
-1.2% YoY -1.4% QoQ |
+$5.5M | $7.5M | $13.0M | $8.8M | 95% |
| Branch Count | n/a | n/a | 4 | n/a | 18 | n/a |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | n/a | 0.4% | n/a |
| Nonaccrual |
1.8%
-0.4pp YoY -0.1pp QoQ |
+0.8pp | 0.9% | 1.8% | 1.0% | 85% |
| Allowance Coverage |
0.56x
+11.0% YoY +1.7% QoQ |
-23.59x | 24.15x | 0.56x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | -0.0% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
33.2%
-17.3pp YoY -1.5pp QoQ |
+21.0pp | 12.2% | 33.2% | 11.6% | 98% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.9% | 1.7% | 67% |
| Net Income ($, YTD) |
$4.8M
+11.0% YoY — QoQ |
+$2.3M | $2.6M | $4.8M | $40.4M | 86% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.