Merchants Commercial Bank is a bank based in St Thomas, U.S. Virgin Islands, established in 2006, with $526 million in total assets across 2 branches. Its capital ratio of 5.1% trails most similarly sized banks (1th percentile), versus a U.S. Virgin Islands median of 5.1%. It was profitable over the most recent period, with a 1.90% return on assets. No consumer complaints against Merchants Commercial Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Merchants Commercial Bank compares to U.S. Virgin Islands peers
How we graded Merchants Commercial Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (5.1% capital ratio)
- Strongly profitable (ROA 1.90%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Merchants Commercial Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 4608 Tutu Park Mall, St Thomas, VI 00802
- Parcel 18-21estate Enighed - Islandia Building 1st Fl, St John, VI 00830
Are deposits at Merchants Commercial Bank insured?
Yes. Merchants Commercial Bank is an FDIC-insured bank (FDIC certificate #58184). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Merchants Commercial Bank: frequently asked questions
Is Merchants Commercial Bank a good bank?
Merchants Commercial Bank earns a Bankzia Trust Grade of B (80/100, "Strong"), based on a financial-strength score of 80/100 (it has no CFPB complaints on record). Well-capitalized (5.1% capital ratio); Strongly profitable (ROA 1.90%).
Is Merchants Commercial Bank FDIC-insured?
Yes. Merchants Commercial Bank is a FDIC-insured bank (FDIC certificate #58184). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Merchants Commercial Bank?
Merchants Commercial Bank holds $526 million in total assets, ranking 1st of 1 banks we track in U.S. Virgin Islands. It operates 2 branches.
Does Merchants Commercial Bank have CFPB complaints?
No CFPB complaints against Merchants Commercial Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
