This institution is no longer active

Operations ceased on May 17, 1996. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF CARLYLE

CARLYLE, IL · Supervised by FDIC

Est. 1904FDIC #9,633RSSD: FDIC-9633

Part ofU.S. Bancorp→ View all charters

Satisfactory Same

Current rating · Exam: September 1994

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.31%

Institution Profile

FDIC BankFind

Address

510 8th Street, CARLYLE, IL

County

Clinton County

Established

October 1, 1904

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

September 1, 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 Q1 1996Call Report / FDIC

Total Assets

$38M

Total Deposits

$34M

Net Loans

$20M

Net Income

$125K

ROA

1.31%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.01%

Risk-Based Capital

18.71%

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).

ROA1.31%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.71%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 1994	Satisfactory	Not Reported
Jan 1993	Satisfactory	Not Reported
Mar 1990	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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