🏦Bank Scorer

This institution is no longer active

Operations ceased on March 1, 1995. CRA examination history below reflects the period it was active.

MERCANTILE BANK, MAMMOTH SPRING, ARKANSAS

MAMMOTH SPRING, AR · Supervised by FDIC

Est. 1921FDIC #5,621RSSD: FDIC-5621
Part ofUNION PLANTERS CORP→ View all charters
Outstanding Up

Current rating · Exam: August 1994

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.02%

Is this bank safe?

MERCANTILE BANK, MAMMOTH SPRING, ARKANSAS earned an Outstanding CRA rating (1994), is financially strong (ROA +1.02%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

250 Main Street, MAMMOTH SPRING, AR

County

Fulton County

Established

February 8, 1921

Total Assets

$30M(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

August 1, 1994

Exam Type

Not Reported

Regulator

FDIC
⚠️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 Q4 1994Call Report / FDIC

Total Assets

$30M

Total Deposits

$27M

Net Loans

$19M

Net Income

$304K

ROA

1.02%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.38%

Risk-Based Capital

14.06%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.02%Peer avg: 0.44%▲ Above avg
Risk-Based Capital14.06%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Aug 1994OutstandingNot Reported
Aug 1991SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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