Safest Banks in Virgin Islands 2026
Virgin Islands has 1 FDIC-insured banks with an average Bank Health Score of 59/100 (C). The safest bank is Merchants Commercial Bank with a score of 59/100.
Data from FDIC Q2 2024
Top 1 Banks in Virgin Islands
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Merchants Commercial Bank | St Thomas | C | 59 | 0.00% | 1.01% |
Bank Health Scores for Virgin Islands are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Merchants Commercial Bank in St Thomas is currently the safest bank in Virgin Islands with a score of 59/100 (Grade C).
Virgin Islands has 1 FDIC-insured banks with a combined $485M in total assets. The average Bank Health Score across the state is 59/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).