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This institution is no longer active

Operations ceased on September 14, 2007. CRA examination history below reflects the period it was active.

MERCANTILE EASTERN SHORE BANK

CHESTERTOWN, MD · Supervised by FDIC

Est. 1904FDIC #5,877RSSD: FDIC-5877
Part ofPNC FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.03%

Institution Profile

FDIC BankFind

Address

High Street, CHESTERTOWN, MD

County

Kent County

Established

January 1, 1904

Total Assets

$604M(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

January 1, 2005

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2007Call Report / FDIC

Total Assets

$604M

Total Deposits

$492M

Net Loans

$474M

Net Income

$6M

ROA

2.03%

ROE

21.41%

Risk-Based Capital

18.91%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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