This institution is no longer active

Operations ceased on October 18, 1997. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF CENTRAL MISSOURI

WASHINGTON, MO · Supervised by FDIC

Est. 1918FDIC #4,554RSSD: FDIC-4554

Part ofU.S. Bancorp→ View all charters

Satisfactory Down

Current rating · Exam: November 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.41%

Institution Profile

FDIC BankFind

Address

Second And Oak Streets, WASHINGTON, MO

County

Franklin County

Established

January 1, 1918

Total Assets

$865M(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

November 1, 1997

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 Q3 1997Call Report / FDIC

Total Assets

$865M

Total Deposits

$738M

Net Loans

$671M

Net Income

$9M

ROA

1.41%

ROE

20.42%

Risk-Based Capital

12.75%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 1995

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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