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This institution is no longer active

Operations ceased on July 1, 2007. CRA examination history below reflects the period it was active.

MERCANTILE BANK

ORLANDO, FL · Supervised by FDIC

Est. 1989FDIC #27,515RSSD: FDIC-27515
Part ofSOUTH FINANCIAL GROUP INC THE→ View all charters
Satisfactory Same

Current rating · Exam: May 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.75%

Institution Profile

FDIC BankFind

Address

100 South Orange Avenue, ORLANDO, FL

County

Orange County

Established

June 5, 1989

Total Assets

$5.7B(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

May 1, 2007

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 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 Q2 2007Call Report / FDIC

Total Assets

$5.7B

Total Deposits

$3.7B

Net Loans

$4.0B

Net Income

$21M

ROA

0.75%

ROE

4.97%

Risk-Based Capital

11.42%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 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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