MERCHANTS COMMERCIAL BANK is asn small FDIC-insured commercial bank headquartered in SAINT THOMAS, VI, established in Oct. 30, 2006, midnight. As of 2025-12-31, the bank reported total assets of $486M and total deposits of $372M. Profitability stands at 1.61% ROA and 29.88% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 5.81%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 2.50% and a Texas Ratio of 18.09%. FDIC Certificate #58184.
Assets
$486M
Deposits
$372M
Loans
$221M
Equity
$28M
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