Merchants Commercial Bank

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

STATEEstablished 20060 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$7.4M
Investor CRE	$58.6M
Multifamily	$12.3M
Construction	$21.8M
1–4 family	$106M
C&I	$20.2M
Agriculture	$0
Other	$236K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$226M

+18.7%y/y

Percentile by value17th percentileby value

FDICLNLSGR

Net loans

$224M

+18.9%y/y

Percentile by value17th percentileby value

FDICLNLSNET

Loans YoY

+18.87%

+266.7%y/y

Percentile by value92nd percentileby value

FDICLNLSNET

L/D

54.2%

+10.0%y/y

Percentile by value9th percentileby value

FDICLNLSNET + DEP

Loans/assets

42.6%

+11.1%y/y

Percentile by value6th percentileby value

FDICLNLSNET + ASSET

RE loans %

99.57%

+2.4%y/y

Percentile by value90th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,140points

+5.7%y/y

Peer standing17th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

3.27%

+7.5%y/y

Percentile by value10th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

25.91%

−0.6%y/y

Percentile by value83rd percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.92%

+18.5%y/y

Percentile by value47th percentileby value

FDICLNCI + LNLSGR