7 Sept. 1859–6 Aug. 1919
The uncertainty of his trade forced him into a Raleigh barbershop as a bootblack, but he quickly advanced to barbering and acquired a partnership in the business when it moved from Raleigh to Durham in 1880. By 1892 Merrick had assumed full ownership of the business and expanded it to include five barbershops in Durham, three for whites and two for blacks. In the meantime, with the encouragement of the Duke family and other white business leaders, he had begun a real estate business devoted largely to constructing housing for the waves of black migrants seeking employment in Durham's burgeoning tobacco industry. More significantly for his future, Merrick had become an organizer for a fraternal insurance society, the Royal Knights of King David.
With that experience, Merrick in 1898 took the lead in launching the North Carolina Mutual and Provident Association (renamed the North Carolina Mutual Life Insurance Company in 1919), which became the largest black business in the United States. With its attendant enterprises, the firm earned Durham a reputation as the "Capital of the Black Middle Class." Merrick served as president of the North Carolina Mutual from its founding until his death. The success of the company and its offspring, most notably the Mechanics and Farmers Bank (1908), brought him national fame as a black representative of the New South and as vindication for the philosophy of Booker T. Washington. He eschewed direct politics and instead called for self-help and racial solidarity, all in the optimistic context of a developing southern economy and skillfully built patron-client relationships with the white community. Benjamin Newton Duke and John Sprunt Hill, two of Durham's leading white industrialists, summarized the popular meaning of Merrick's career as a "connecting link" between the old and the new life of the South and the African-American, "between the old life of discontent, idleness and poverty and the new life of satisfaction, industry and success," a career that could "point the way out of the warfares between labor and capital, [and] racial conflicts." In the black community Merrick was no less a symbol of racial progress, holding out the hope of separate development within the biracial structure of the New South. In his later years he became something of a patron of charitable causes, not only stimulating white philanthropy, but also providing personal support for St. Joseph's African Methodist Episcopal Church, Kittrell College, Lincoln Hospital, the Durham Colored Library, and other Afro-American institutions.
Merrick married Martha Hunter of Raleigh. In their Victorian home on Durham's Fayetteville Street, they reared five children: Geneva, Mabel, Martha, John T., and Edward. Merrick's widow survived until 1939; his son Edward joined the North Carolina Mutual in 1907 and served primarily as vice-president and treasurer until his retirement in 1957. In 1943 the U.S. Navy commissioned a merchant ship out of the Wilmington naval yards as the SS John Merrick.
