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Merchants Commercial Bank Locations & Branches
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Merchants Commercial Bank operates 2 branches from its headquarters in Saint Thomas, VI, .
Merchants Commercial Bank branch network
Both branches are in VIRGIN ISLANDS OF THE U.S., across 2 cities. Its largest office by deposits is its main office in St Thomas, VI, with $319.2M (81.1% of its branch deposits). It had the same number of branches on June 30, 2025.
Merchants Commercial Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 10.79% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $506.0M
- Tier 1 leverage ratio, Q2 2026
- 10.79%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 2006
Full financial profile · Is Merchants Commercial Bank safe? · Merchants Commercial Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| State: VI (2 branches) | 3 of 5 | 10.9% | $393.7M |
Share by county and metro area
Merchants Commercial Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Saint Thomas, VI (1 branch) | 3 of 4 | 13.5% | $319.2M | $2.36B |
| Saint John, VI (1 branch) | 2 of 2 | 49.4% | $74.6M | $151.1M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Merchants Commercial Bank (main office) | St Thomas, VI | 00802 | $319.2M |
| St. John Branch | St John, VI | 00830 | $74.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 58184) · FFIEC NIC profile (RSSD 3487433)