This institution is no longer active

Operations ceased on May 17, 1996. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF CENTRALIA

CENTRALIA, IL · Supervised by FDIC

Est. 1865FDIC #3,780RSSD: FDIC-3780

Part ofU.S. Bancorp→ View all charters

Outstanding

Current rating · Exam: June 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.77%

Institution Profile

FDIC BankFind

Address

235 North Elm Street, CENTRALIA, IL

County

Marion County

Established

January 1, 1865

Total Assets

$95M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1996Call Report / FDIC

Total Assets

$95M

Total Deposits

$81M

Net Loans

$70M

Net Income

$420K

ROA

1.77%

ROE

17.09%

Risk-Based Capital

15.24%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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