Updated April 2026 · FDIC Call Report Q2 2024
Banks in Virgin Islands
1 FDIC-insured banks are chartered in Virgin Islands, holding $485M in combined assets. The state-wide average Bank Health Score is 59/100 (C), built from quarterly FDIC Call Report data on capital, loan quality, liquidity, and profitability.
Virgin Islands's 1 FDIC-insured banks hold $485M in total assets. The average BankHealth composite of 59/100 (average grade C) sits below typical state norms — usually a signal of either concentrated regional credit pressure or specific banks pulling the average down.
The largest bank in Virgin Islands by assets is Merchants Commercial Bank. 1 banks are flagged as at-risk — usually a higher share than typical states. Each bank below links to its full BankHealth profile — Tier 1 capital ratio, non-performing loan ratio, liquidity ratio, ROA, multi-quarter trend, and the composite grade breakdown. Cross-bank comparisons within the same state are most useful when controlling for size class.
Virgin Islands's Banking Sector
Virgin Islands has a relatively compact banking sector — 1 FDIC-insured institutions with $485M in combined assets. With this few banks chartered locally, residents often rely on a mix of in-state community banks and out-of-state regional banks operating local branches.
Banks in Virgin Islands post an average Bank Health Score of 59/100 (C), below the U.S. average. The state has visible concentrations of stress at multiple institutions — depositors should review individual bank pages carefully and confirm FDIC insurance coverage at FDIC.gov.
1 of 1 banks in Virgin Islands (about 100%) currently land in the at-risk tier — a higher share than the national average. Concentration of stress this size usually traces to a regional shock: commercial real estate exposure, agricultural prices, or a single dominant local industry experiencing pressure.
Healthiest Banks in Virgin Islands
Banks Showing Weakness in Virgin Islands
For Virgin Islands Depositors
FDIC insurance protects deposits at every bank on this page up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of state. The Bank Health Score ranks regulatory cushion across institutions; it is not a guarantee. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making changes.
Federal regulators — including the OCC for national charters and the FDIC for state-chartered insured banks — oversee the institutions on this page. Quarterly FFIEC Call Reports are public and provide line-item detail behind every metric here.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F grade. Read the full methodology.
Frequently Asked Questions
How many banks are in Virgin Islands?
1 FDIC-insured banks are chartered in Virgin Islands, holding $485M in combined assets. Virgin Islands has a relatively compact banking sector — 1 FDIC-insured institutions with $485M in combined assets. With this few banks chartered locally, residents often rely on a mix of in-state community banks and out-of-state regional banks operating local branches.
What is the average bank health score in Virgin Islands?
Banks in Virgin Islands post an average Bank Health Score of 59/100 (C), below the U.S. average. The state has visible concentrations of stress at multiple institutions — depositors should review individual bank pages carefully and confirm FDIC insurance coverage at FDIC.gov.
Which banks in Virgin Islands are showing the most stress?
1 of 1 banks in Virgin Islands (about 100%) currently land in the at-risk tier — a higher share than the national average. Concentration of stress this size usually traces to a regional shock: commercial real estate exposure, agricultural prices, or a single dominant local industry experiencing pressure. See the "Banks Showing Weakness" section above for the specific institutions and their Health Score factors.
Are banks in Virgin Islands FDIC-insured?
Yes. Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. FDIC insurance is identical regardless of state. Verify your bank's status and your specific coverage at FDIC.gov, particularly if you hold combined balances above the $250,000 limit.
Where does this data come from?
All bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · Data covers 1 Virgin Islands banks. Informational only; not investment advice.