🏦Bank Scorer

This institution is no longer active

Operations ceased on October 18, 1996. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF LAKE OF THE OZARKS

ELDON, MO · Supervised by FDIC

Est. 1896FDIC #12,221RSSD: FDIC-12221
Part ofU.S. Bancorp→ View all charters
Outstanding Up

Current rating · Exam: May 1995

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 1.36%

Institution Profile

FDIC BankFind

Address

Highway 54 And Aurora Street, ELDON, MO

County

Miller County

Established

January 1, 1896

Total Assets

$166M(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

May 30, 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 Q3 1996Call Report / FDIC

Total Assets

$166M

Total Deposits

$151M

Net Loans

$127M

Net Income

$2M

ROA

1.36%

ROE

16.88%

Risk-Based Capital

14.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/bcdd58a3-8e7f-4303-891e-34c5c3805f3a"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: