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Merchants Commercial Bank is a Virgin Islands-chartered, FDIC-insured boutique commercial bank providing state-of-the-art banking services to the Virgin Islands business and professional community. Based in St. Thomas, MCB serves St. John and St. Croix with deposit accounts, business loans, mortgage loans, and cash management solutions. The bank was recognized as the SBA's 2024 Lender of the Year for the territory.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
Data not available
As Of December 31, 2025
Median
$500K
Average
$686K
Sweet Spot
$0-$500K
Industries with highest loan volume
All Other Amusement and Recreation Industries
1
loans
$500K
avg. amount
All Other Amusement and Recreation Industries
Loans
1
Avg. Amount
$500K
All Other General Merchandise Retailers
1
loans
$500K
avg. amount
All Other General Merchandise Retailers
Loans
1
Avg. Amount
$500K
Drinking Places (Alcoholic Beverages)
1
loans
$1.1M
avg. amount
Drinking Places (Alcoholic Beverages)
Loans
1
Avg. Amount
$1.1M
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.75% |
| $1M-$2M | Prime + 3.00% |
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)