Skip to main content
BDI
MC

Merchants Commercial Bank

St Thomas, U.S. Virgin IslandsFDIC Cert #58184

STATEEstablished 20060 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$359M$323M
Q3 2021$339M$303M
Q4 2021$399M$363M
Q1 2022$425M$402M
Q2 2022$456M$425M
Q3 2022$445M$363M
Q4 2022$586M$561M
Q1 2023$487M$413M
Q2 2023$442M$363M
Q3 2023$440M$352M
Q4 2023$502M$371M
Q1 2024$473M$365M
Q2 2024$485M$363M
Q3 2024$462M$331M
Q4 2024$467M$360M
Q1 2025$492M$383M
Q2 2025$486M$385M
Q3 2025$497M$387M
Q4 2025$486M$372M
Q1 2026$526M$413M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$526M
+7.0%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$413M
+8.0%y/y
Percentile by value45th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$226M
+18.7%y/y
Percentile by value17th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$224M
+18.9%y/y
Percentile by value17th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$229M
−3.0%y/y
Percentile by value92nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$30.7M
−16.5%y/y
Percentile by value46th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$499M
+5.6%y/y
Percentile by value57th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$27.1M
+43.4%y/y
Peer standing6th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$4.92M
+18.4%y/y
Peer standing43rd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$4.28M
+15.1%y/y
Peer standing43rd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$633K
+47.6%y/y
Peer standing57th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
$75K
Percentile by value48th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$2.4M
+16.6%y/y
Peer standing65th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$2.4M
+16.8%y/y
Peer standing74th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC