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 Merchants Commercial Bank
Merchants Commercial Bank
| RSSD ID 3487433 | CERTIFICATE 58184 | ABA NUMBER 21606742 |
| 4608 Tutu Park Mall |
Quarter Ended : |
2025-12-31 |
| St Thomas, U.S. Virgin Islands, 802 |
Updated : |
2026-01-29 |
| www.merchantscommercial.bank |
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| Institution Profile |
| Year Opened : |
2006 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
2 |
Number of Employees : |
39 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 485,985 |
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Total Interest Income | 25,726 |
| Total Liabilities | 457,732 |
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Total NonInterest Income | 1,728 |
| Total Bank Equity Capital | 28,253 |
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Total Interest Expense | 9,827 |
| Total Deposits | 372,487 |
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Total NonInterest Expense | 8,853 |
| Net Loans & Leases | 218,581 |
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Net Income | 8,631 |
| Loan Loss Allowance | 2,233 |
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Net Charge Offs | 41 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 221,331 |
| Total assets for the leverage ratio | 510,788 |
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Loans secured by real estate: | 200,106 |
| Tier 1 Leverage Ratio | 10.71 |
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Commercial and industrial loans | 19,891 |
| Off Balance Sheet Exposures (%) | 6.18 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,332 |
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:· Merchants Commercial Bank
