This institution is no longer active

Operations ceased on October 18, 1996. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF BOONE COUNTY

COLUMBIA, MO · Supervised by FDIC

Est. 1903FDIC #4,532RSSD: FDIC-4532

Part ofU.S. Bancorp→ View all charters

Outstanding Up

Current rating · Exam: May 1995

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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 0.86%

Is this bank safe?

MERCANTILE BANK OF BOONE COUNTY earned an Outstanding CRA rating (1995), meets basic financial requirements (ROA +0.86%).

Institution Profile

FDIC BankFind

Address

1408 Forum Boulevard, COLUMBIA, MO

County

Boone County

Established

January 1, 1903

Total Assets

$89M(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

May 1, 1995

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

$89M

Total Deposits

$76M

Net Loans

$76M

Net Income

$568K

ROA

0.86%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.45%

Risk-Based Capital

18.14%

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).

ROA0.86%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.14%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 1995	Outstanding	Not Reported
Jun 1993	Satisfactory	Not Reported
Sep 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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