SBA lender profile
Merchants Commercial Bank
Merchants Commercial Bank appears in the public SBA loan data with 19 funded 7(a) loans since FY2010, totaling $5.0M, an average of $262K per loan, and an estimated 215 jobs supported. Its SBA lending concentrates in U.S. Virgin Islands and the Accommodation and Food Services sector. With only 19 7(a) loans in the data, the sample is too small to read a charge-off rate as a track record.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
Is Merchants Commercial Bank the right lender for you?
Merchants Commercial Bank appears in the SBA record with 19 funded loans since FY2010, too few to read as a lending pattern. That is not a mark against the institution, but it does mean the record cannot tell you whether it lends to businesses like yours. Lenders with a deeper track record in your state and industry can.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $526M
- Headquarters
- St Thomas, VI
- FDIC cert
- #58184
- Status
- Active
Where Merchants Commercial Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| U.S. Virgin Islands | 19 | $5.0M |
What Merchants Commercial Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 4 | $1.5M |
| Arts, Entertainment, Recreation | 2 | $1.2M |
| Retail Trade | 5 | $970K |
| Health Care and Social Assistance | 2 | $554K |
| Transportation and Warehousing | 2 | $425K |
| Administrative and Support | 1 | $200K |
Merchants Commercial Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2022 | 2 | $175K |
| 2023 | 4 | $1.6M |
| 2024 | 8 | $1.7M |
| 2025 | 5 | $1.4M |
Related SBA lenders
Other lenders active in U.S. Virgin Islands or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Merchants Commercial Bank: frequently asked questions
Does Merchants Commercial Bank offer SBA loans?
Yes. Merchants Commercial Bank appears in the public SBA data with 19 funded SBA 7(a) loans totaling $5.0M.
How many SBA loans has Merchants Commercial Bank made?
Merchants Commercial Bank is associated with 19 SBA 7(a) loans totaling $5.0M in the public SBA data (as of 2026-03-31).
What is Merchants Commercial Bank's SBA charge-off rate?
Merchants Commercial Bank appears with only 19 7(a) loans in the data, too few for a charge-off rate to be meaningful as a track record. The SBA Lender Score treats fewer than 20 loans as insufficient data for the same reason; see our methodology.
Where does Merchants Commercial Bank do most of its SBA lending?
Merchants Commercial Bank's SBA lending in the data is most concentrated in U.S. Virgin Islands, and by industry in Accommodation and Food Services.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Merchants Commercial Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/merchants-commercial-bank/
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