Merchants Commercial Bank
Saint Thomas, VI · Cert 58184 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
$506.0MAssets
$236.9MLoans
$393.7MDeposits
$31.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: equity / assets trails 97% of banks under $1B in assets operating in a single state (rank 724 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.50%
Rank 172 of 746
Net Interest Margin
3.28%
Rank 529 of 746
Efficiency Ratio
49.76%
Rank 105 of 746
Equity / Assets
6.31%
Rank 724 of 746
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.50% | 0.72% | 1.06% | 1.45% | Beats 77% | 172 / 746 | | |
| Return on Equity | 23.76% | 6.74% | 10.51% | 13.63% | Beats 98% | 16 / 746 | | |
| Net Interest Margin | 3.28% | 3.17% | 3.68% | 4.16% | Beats 29% | 529 / 746 | | |
| Efficiency Ratio | 49.76% | 55.74% | 64.58% | 75.47% | Beats 86% | 105 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.76% | 0.09% | 0.42% | 1.07% | Beats 14% | 639 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.79% | 11.55% | 13.75% | 17.60% | Beats 17% | 619 / 746 | | |
| Total Risk-Based Capital Ratio | 10.79% | 11.71% | 14.33% | 18.43% | Beats 16% | 628 / 746 | | |
| Equity / Assets | 6.31% | 8.90% | 10.51% | 13.06% | Beats 3% | 724 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.18% | 61.31% | 78.27% | 90.78% | 23rd pctl | 575 / 746 | | |
| Loans / Assets | 46.83% | 53.60% | 66.97% | 76.08% | 16th pctl | 625 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |