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Banks in U.S. Virgin Islands
The 1 FDIC-insured banks headquartered in U.S. Virgin Islands, their bank failures since 1934 and the largest credit unions. From the FDIC and the NCUA; quarter ending Jun 30, 2026.
- Banks headquartered here
- 1
- Their assets
- $506.0M
- Their deposits
- $393.7M
- Failures since 2000
- 0
- Credit unions
- 5
Every bank headquartered in U.S. Virgin Islands
Ranked by total assets, quarter ending Jun 30, 2026. Banks based elsewhere with branches here are not included.
| # | Bank | Holding company | Assets | Deposits | Equity | Net income, year to date | ROA | ROE | CET1 ratio | Uninsured deposits | Offices |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Merchants Commercial BankSt Thomas, VI | – | $506.0M | $393.7M | $31.9M | $4.8M | 1.91% | 33.21% | – | 30% | 2 |
Source: FDIC BankFind Suite. Assets, deposits and equity at the end of the latest quarter; net income is year to date. ROA and ROE are annualized returns on assets and equity. CET1 is common equity tier 1 capital as a share of risk-weighted assets. CET1 is blank for banks that do not report it (many small banks use the simpler community bank leverage ratio). Uninsured deposits is the bank's own estimate of the share of deposits above the insurance limit.
Bank failures in U.S. Virgin Islands
1 since 1934; the latest 25.
| Date | Bank | State | Assets | Deposits | Cost to the fund | Acquirer | Resolution |
|---|---|---|---|---|---|---|---|
| Oct 24, 1975 | The Peoples Bank of the Virgin IslandsCharlotte Amalie, VI | VI | $14.9M | $14.3M | – | – | Payout |
Source: FDIC BankFind Suite. Cost to the fund is the FDIC's estimated loss to the deposit insurance fund (earlier funds for older failures). Assets and deposits as of the last report before failure. Assistance transactions kept the bank open with FDIC help.
The largest credit unions in U.S. Virgin Islands
5 credit unions; the largest 25 by assets.
| # | Credit union | Charter | Assets | Members | Loans | Shares and deposits | Net worth ratio | Net income, year to date |
|---|---|---|---|---|---|---|---|---|
| 1 | St. ThomasCharlotte Amalie, VI | Federal | $90.0M | 8,984 | $39.7M | $70.3M | 23.49% | $268.3K |
| 2 | ChristianstedChristiansted, VI | Federal | $34.0M | 3,354 | $12.2M | $26.9M | 20.63% | $332.7K |
| 3 | FrederikstedFrederiksted, VI | Federal | $24.1M | 2,976 | $6.6M | $19.8M | 17.49% | $248.2K |
| 4 | Mid-IslandChristiansted, VI | Federal | $17.9M | 2,330 | $5.0M | $15.6M | 10.05% | −$6.9K |
| 5 | Vitelco EmployeesCharlotte Amalie, VI | Federal | $1.6M | 330 | $443.3K | $1.5M | 5.14% | −$47.6K |
Source: NCUA credit union call report data, quarter ending Jun 30, 2026. Names as filed (the NCUA abbreviates them, usually without "Federal Credit Union"). Net income is year to date. The net worth ratio is net worth as a share of assets; 7% or more is "well capitalized".