Total Assets
$486M
Total balance-sheet footings
FDIC Cert #58184 · St Thomas, U.S. Virgin Islands · Est. 2006
Merchants Commercial Bank - FDIC Bank Health Profile
A community-scale look at Merchants Commercial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $486M
- Total assets
- B
- Health grade · Good
- 1.78%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
Merchants Commercial Bank earns a PlainBankData health grade of B (75/100), with well-capitalized at 10.71% Tier 1, profitable at 1.78% ROA, efficient (50% cost ratio).
- #1,821
- largest of 4,313 FDIC banks by assets
- 58th
- percentile by asset size, nationally
- 10.71%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Merchants Commercial Bank's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Merchants Commercial Bank's composite health score
Tier 1 Capital Ratio (10.71%) 28/40
Return on Assets (ROA) (1.78%) 25/25
Texas Ratio (18.09%) 10/20
Efficiency Ratio (50.22%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$372M
Customer-funded liabilities
Net Loans
$219M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Merchants Commercial Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Merchants Commercial Bank's score of 75/100 falls in the highlighted band.
Merchants Commercial Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Merchants Commercial Bank's $486M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.71% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.71%
Texas Ratio
18.09%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.78%
Return on Equity (ROE)
41.23%
Efficiency Ratio
50.22%
What the numbers say about Merchants Commercial Bank
Merchants Commercial Bank is an FDIC-insured institution (Certificate #58184) headquartered in St Thomas, U.S. Virgin Islands, established in 2006. It holds $486M in total assets - 1,821st of 4,313 FDIC-insured banks, $372M in customer deposits, and $219M in net loans. Its capital position: a Tier 1 ratio of 10.71%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 18.09% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (75 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Income & expense breakdown
$26M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Merchants Commercial Bank reports a Texas Ratio of 18.09% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Merchants Commercial Bank (FDIC Cert #58184) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Frequently asked questions
What is Merchants Commercial Bank's health grade?▼
Merchants Commercial Bank receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Merchants Commercial Bank?▼
Merchants Commercial Bank holds $486M in total assets and $372M in deposits, ranking 1,821st of 4,313 FDIC-insured banks by asset size. It is headquartered in St Thomas, U.S. Virgin Islands.
Is my money safe at Merchants Commercial Bank?▼
Yes, deposits at Merchants Commercial Bank (Certificate #58184) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Merchants Commercial Bank's Tier 1 Capital Ratio?▼
Merchants Commercial Bank has a Tier 1 Capital Ratio of 10.71%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Merchants Commercial Bank?▼
Merchants Commercial Bank has a Texas Ratio of 18.09%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Merchants Commercial Bank?▼
Merchants Commercial Bank has an Efficiency Ratio of 50.22%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Merchants Commercial Bank's profile as a depositor or analyst.
- Merchants Commercial Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Merchants Commercial Bank against other U.S. Virgin Islands banks before moving funds. U.S. Virgin Islands banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.