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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 June 30, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of June 30, 2025
Median
$500K
Average
$686K
All rates shown as spread over Prime Rate
This Lender
Market Average
As Of June 30, 2025 - 10-year default rate indicates underwriting quality
10-Year Default Rate
0.0%
Bottom 10% of Lenders (Highest Default Rate)
Performance Ranking
100th
Lower is better among all lenders
As Of June 30, 2025 - States by loan volume (darker blue = higher volume)
