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This institution is no longer active

Operations ceased on June 30, 1997. CRA examination history below reflects the period it was active.

MERCANTILE BANK

SACRAMENTO, CA · Supervised by FDIC

Est. 1976FDIC #22,206RSSD: FDIC-22206
Satisfactory Same

Current rating · Exam: December 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.97%

Institution Profile

FDIC BankFind

Address

455 Capitol Mall, Suite 104, SACRAMENTO, CA

County

Sacramento County

Established

January 15, 1976

Total Assets

$47M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1997Call Report / FDIC

Total Assets

$47M

Total Deposits

$42M

Net Loans

$30M

Net Income

$114K

ROA

0.97%

ROE

9.16%

Risk-Based Capital

15.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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