This institution is no longer active

Operations ceased on May 16, 1998. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF ST. JOSEPH

SAINT JOSEPH, MO · Supervised by FDIC

Est. 1889FDIC #4,605RSSD: FDIC-4605

Part ofU.S. Bancorp→ View all charters

Satisfactory Down

Current rating · Exam: August 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.74%

Institution Profile

FDIC BankFind

Address

415 Francis Street, SAINT JOSEPH, MO

County

Buchanan County

Established

July 8, 1889

Total Assets

$355M(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

August 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 Q1 1998Call Report / FDIC

Total Assets

$355M

Total Deposits

$291M

Net Loans

$264M

Net Income

$2M

ROA

1.74%

ROE

21.21%

Risk-Based Capital

14.97%

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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