Merchants Commercial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Merchants Commercial Bank of Saint Thomas, VI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.82% | 1.25% | +0.57% | 79th top |
| ROAE | 32.88% | 12.22% | +20.66% | 98th top |
| Net Interest Margin | 3.54% | 3.95% | -0.41% | 28th below |
| Efficiency Ratio | 48.13% | 63.71% | -15.58% | 84th top |
| PPNR / Avg Assets | 1.85% | — | — | 65th above |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 1.93% | 1.87% | +0.06% | 41st below |
| Net Interest Spread | 2.42% | — | — | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.76% | 0.88% | +0.88% | 15th bottom |
| NPA / Total Assets | 0.82% | — | — | 25th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 76th top |
| ACL / Total Loans | 0.99% | — | — | 25th below |
| ACL / NPLs (Coverage) | 56.39% | — | — | 12th bottom |
| Texas Ratio | 12.16% | 5.96% | +6.20% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.79% | 11.75% | -0.96% | 46th below |
| Equity / Assets | 6.31% | 10.98% | -4.67% | 3rd bottom |
| TCE / Tangible Assets | 6.31% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.18% | 80.44% | -20.26% | 84th top |
| Core Deposit Ratio | 73.37% | 86.95% | -13.58% | 7th bottom |
| Wholesale Funding Ratio | 15.19% | — | — | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.16% | — | — | 47th below |
| Loan Growth (Y/Y) | 18.55% | — | — | 91st top |
| Deposit Growth (Y/Y) | 2.34% | — | — | 37th below |
See Merchants Commercial Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Merchants Commercial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Merchants Commercial Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Merchants Commercial Bank peer analysis.