Merchants Commercial Bank
Headquarters: St Thomas, U.S. Virgin Islands
Overview
Merchants Commercial Bank is an FDIC-insured bank headquartered in St Thomas, U.S. Virgin Islands. It reported $505.96M in assets and $393.71M in deposits for the period ending June 30, 2026. Bankular currently lists 2 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
March 31, 2026 to June 30, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Locations
Find a branch of Merchants Commercial Bank
Main Office
4608 Tutu Park Mall, St Thomas, U.S. Virgin Islands, 00802
Full-service branch · Opened October 30, 2006
St. John
Parcel 18-21estate Enighed - Islandia Building 1st Fl, St John, U.S. Virgin Islands, 00830
Full-service branch · Opened October 8, 2010
Financial overview
Latest reported figures
Through June 30, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| June 30, 2026 | $505.96M | $393.71M | $234.60M | 1.91% |
| March 31, 2026 | $526.11M | $413.21M | $224.01M | 1.90% |
| December 31, 2025 | $485.99M | $372.49M | $218.58M | 1.78% |
| September 30, 2025 | $496.86M | $386.75M | $209.11M | 1.83% |
| June 30, 2025 | $485.76M | $384.71M | $197.68M | 1.81% |
| March 31, 2025 | $491.58M | $382.53M | $188.45M | 1.72% |
| December 31, 2024 | $466.72M | $360.21M | $184.45M | 2.12% |
| September 30, 2024 | $461.80M | $331.40M | $183.60M | 2.20% |
Size and reach
How this institution compares
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More on Merchants Commercial Bank
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Branch locations
2 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in U.S. Virgin Islands.
Explore →St Thomas banking market
See local branches, competitors and market concentration.
Explore →Rankings and research
Place this institution in national and market context.
Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Merchants Commercial Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 58184.
Where is Merchants Commercial Bank headquartered?
Merchants Commercial Bank is headquartered in St Thomas, U.S. Virgin Islands, at 4608 Tutu Park Mall, St Thomas, U.S. Virgin Islands, 00802.
How large is Merchants Commercial Bank?
It reported $505.96M in assets and $393.71M in deposits for the period ending June 30, 2026.
How many locations does Merchants Commercial Bank have?
Bankular currently lists 2 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.