This institution is no longer active

Operations ceased on April 25, 1997. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF WILLOW SPRINGS

SPRINGFIELD, MO · Supervised by FDIC

Est. 1906FDIC #11,454RSSD: FDIC-11454

Part ofU.S. Bancorp→ View all charters

Outstanding Up

Current rating · Exam: April 1996

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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 1.62%

Institution Profile

FDIC BankFind

Address

417 St. Louis Street, SPRINGFIELD, MO

County

Greene County

Established

January 27, 1906

Total Assets

$863M(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

April 1, 1996

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 1997Call Report / FDIC

Total Assets

$863M

Total Deposits

$767M

Net Loans

$672M

Net Income

$3M

ROA

1.62%

ROE

22.59%

Risk-Based Capital

13.20%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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