Merchants Commercial Bank
St Thomas, VI
IDRSSD: 3487433
Total Assets
$485.99M
Latest filing
Total Deposits
$372.49M
Latest filing
Net Interest Margin
3.43%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
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021606742ST THOMAS, VI
Key People
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Locations
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Main Office
Merchants Commercial Bank
4608 Tutu Park Mall
St Thomas, VI 00802
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/30/2006FDIC Certificate 441417
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Merchants Commercial Bank (Main) | 4608 Tutu Park Mall | St Thomas, VI |
| ST. JOHN BRANCH | Parcel 18-21estate Enighed - Islandia Building 1st Fl | St John, VI |
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Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/30/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 00802 |
| State and County Number | 78030 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 0 |
| Foreign Offices | 0 |
| US Offices | 2 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/30/2006 |
| Primary Insurance Agency | DIF |
| Website | http://www.merchantscommercial.bank |
| Data Updated | 01/30/2026 |
| CERT | 58184 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $485.99M |
| Total Deposits | $372.49M |
| Total Liabilities | $457.73M |
| Total Equity Capital | $28.25M |
| Net Income | $1.98M |
| Net Loans and Leases | $218.58M |
| Assets Per Employee ($Millions) | $12.46M |
| Bank Premises and Fixed Assets | $2.36M |
| Cash and Balances due from Depository Institutions | $11.35M |
| Deposits Held in Domestic Offices | $372.49M |
Key Performance Ratios
| Return on Assets (ROA) | 1.61% |
| Return on Equity (ROE) | 29.88% |
| Net Interest Margin | 3.43% |
| Efficiency Ratio | 52.39% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.814% |
| Earning Assets to total Assets | 94.89% |
Income and Expense
| Total Interest Income | $6.52M |
| Total Noninterest Income | $447.00k |
| Total Interest Expense | $2.52M |
| Total Noninterest Expense | $2.33M |
| Net Interest Income | $4.00M |
| Pre-tax Net Operating Income | $2.07M |
| Provision for Credit Losses | $52.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $81.86M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.04M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.38M |
| Total Liabilities and Capital | $485.99M |
Securities
| Securities | $234.38M |
| Available-for-sale debt securities | $234.38M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Merchants Commercial Bank?
$485.99M as of the latest filing.
How much are Merchants Commercial Bank's total deposits?
$372.49M in total deposits.
Where is Merchants Commercial Bank located?
St Thomas, VI.
What is the Net Interest Margin?
3.43%.
How many domestic offices does it operate?
—.
When was it established?
10/30/2006.
What is the Return on Assets (ROA)?
1.61%.
How much are total loans and leases?
$218.58M (latest filing).
What is the total interest income (latest filing)?
$6.52M.