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This institution is no longer active

Operations ceased on December 31, 1996. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF WRIGHT COUNTY

HARTVILLE, MO · Supervised by FDIC

Est. 1890FDIC #1,637RSSD: FDIC-1637
Part ofU.S. Bancorp→ View all charters
Satisfactory Same

Current rating · Exam: October 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.31%

Institution Profile

FDIC BankFind

Address

300 East Rolla Street, HARTVILLE, MO

County

Wright County

Established

June 1, 1890

Total Assets

$38M(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

October 8, 1994

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

$38M

Total Deposits

$35M

Net Loans

$29M

Net Income

$384K

ROA

1.31%

ROE

16.37%

Risk-Based Capital

12.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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