Bank call report · Saint Thomas, VI
Merchants Commercial Bank Call Report
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Merchants Commercial Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 233 reported line items, schedule by schedule (448 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3487433 |
| FDIC certificate number | 58184 |
| Total assets | $506.0M |
Official Q2 2026 call report PDF (FFIEC) →
Merchants Commercial Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Merchants Commercial Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $506.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $506.0M |
| Total Liabilities and Minority Interest | RCON2948 | $474.1M |
| Total Deposits | RCON2200 | $393.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $236.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $234.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $233.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $232.3M |
| Deposits: Noninterest-bearing | RCON6631 | $160.3M |
| Other Borrowed Money | RCON3190 | $76.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $45.8M |
| Total Equity Capital | RCON3210 | $31.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $31.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$25.5M |
| Other Assets | RCON2160 | $15.1M |
| Surplus | RCON3839 | $14.8M |
| Federal Funds Sold | RCONB987 | $8.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.7M |
| Interest-bearing Balances | RCON0071 | $5.9M |
| Other Liabilities, Total | RCON2930 | $3.5M |
| Other Components of Equity Capital | RCONA130 | -$3.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.1M |
| Common Stock | RCON3230 | $48K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Merchants Commercial Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $13.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $9.3M |
| Net Interest Income | RIAD4074 | $8.7M |
| Total Noninterest Expense | RIAD4093 | $4.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.8M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.8M |
| Net Income (Loss) | RIAD4340 | $4.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.8M |
| Total Interest Expense | RIAD4073 | $4.7M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.8M |
| Salaries and Employee Benefits | RIAD4135 | $2.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.3M |
| Other Noninterest Expense | RIAD4092 | $2.0M |
| Other Interest Expense | RIADGW44 | $1.8M |
| Interest on Other Securities | RIAD4060 | $1.5M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.4M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.4M |
| Total Noninterest Income | RIAD4079 | $1.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $903K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $620K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $538K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $512K |
| Other Noninterest Income | RIADB497 | $457K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $335K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $209K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $175K |
| Other Interest Income | RIAD4518 | $151K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $150K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $133K |
| Provision for Loan and Lease Losses | RIAD4230 | $114K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $114K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $53K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $46K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $6K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 39 |
Schedule RC-B: Securities (26 items)
About Schedule RC-B · Merchants Commercial Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $24.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $23.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $256.9M |
| Pledged Securities | RCON0416 | $195.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $127.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $114.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $85.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $60.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $53.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $49.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $45.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $40.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $37.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $17.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $9.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $8.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $6.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $5.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $3.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $2.9M |
| Amortized Cost of Structured Notes | RCON8782 | $1.6M |
| Fair Value of Structured Notes | RCON8783 | $1.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $1K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $1K |
Schedule RC-C, Part I: Loans and Leases (25 items)
About Schedule RC-C, Part I · Merchants Commercial Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $236.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $124.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $99.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $71.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $70.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $58.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $44.5M |
| Commercial and Industrial Loans | RCON1766 | $20.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $15.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $14.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $11.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $10.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $10.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $8.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $7.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $6.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $2.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $1.7M |
| Unearned Income on Loans | RCON2123 | $1.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $856K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $229K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $149K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $40K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $10.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $9.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $748K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $703K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $97K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 26 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 23 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 23 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 13 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 5 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 1 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Merchants Commercial Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $236.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $236.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $160.2M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $157.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $144.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $94.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $93.4M |
| Total Brokered Deposits | RCON2365 | $93.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $79.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $79.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $50.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $30.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $27.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $22.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $14.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $12.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $11.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $6.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $3.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $2.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $1.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $1.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $42K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $7.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $3.8M |
| Accrued Interest Receivable | RCONB556 | $3.1M |
| Other Assets | RCON2168 | $1.2M |
| Prepaid Expenses | RCON2166 | $786K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.9M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.0M |
| Operating lease liabilities | RCONLB56 | $946K |
| Other Expenses Accrued and Unpaid | RCON3646 | $487K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $117K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Merchants Commercial Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $531.4M |
| Quarterly Average of Total Loans | RCON3360 | $237.9M |
| All Other Securities | RCONB560 | $129.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $118.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $98.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $98.1M |
| Mortgage-backed Securities | RCONB559 | $90.0M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $80.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $68.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $49.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $40.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $20.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $17.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $11.4M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $3.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.2M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Merchants Commercial Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $10.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $6.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.3M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.6M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $50K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Merchants Commercial Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $71.2M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $6.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $5.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $5.6M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (9 items)
About Schedule RC-N · Merchants Commercial Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $4.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.0M |
| Additions to Nonaccrual Assets | RCONC410 | $988K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $577K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $361K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $194K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $127K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (8 items)
About Schedule RC-O · Merchants Commercial Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $532.2M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $394.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $223.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $170.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $56.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 4,741 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 214 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · Merchants Commercial Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $531.4M |
| Average total consolidated assets | RCOAKW03 | $531.4M |
| Total Assets | RCOA2170 | $506.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $57.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $57.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $57.4M |
| Retained Earnings | RCOAKW00 | $45.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $31.9M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $25.6M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $25.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$25.5M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$25.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $11.5M |
| Unconditionally Cancellable Commitments | RCOAS540 | $2.0M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $50K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1079 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0507 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $31.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $28.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $28.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.2M |
| Other Comprehensive Income | RIADB511 | $1.0M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Merchants Commercial Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $3K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
| Recoveries on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3589 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Merchants Commercial Bank changes in allowances for credit losses trends
Merchants Commercial Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Merchants Commercial Bank call report?
The Merchants Commercial Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Merchants Commercial Bank file?
Merchants Commercial Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Merchants Commercial Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Merchants Commercial Bank has Federal Reserve RSSD ID 3487433 and FDIC certificate number 58184. Either one finds its filings on the FFIEC Central Data Repository.
How often does Merchants Commercial Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Merchants Commercial Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58184) · FFIEC NIC profile (RSSD 3487433)