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This institution is no longer active

Operations ceased on November 13, 1997. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF JEFFERSON COUNTY

HARTFORD, IL · Supervised by FDIC

Est. 1959FDIC #18,159RSSD: FDIC-18159
Part ofU.S. Bancorp→ View all charters
Outstanding Up

Current rating · Exam: October 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%

Institution Profile

FDIC BankFind

Address

140 West Hawthorne, HARTFORD, IL

County

Madison County

Established

March 5, 1959

Total Assets

$10.9B(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

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 1997Call Report / FDIC

Total Assets

$10.9B

Total Deposits

$7.2B

Net Loans

$6.2B

Net Income

$70M

ROA

0.86%

Below avg for Regional banks. Peer avg: 0.88%

ROE

11.53%

Risk-Based Capital

11.17%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

ROA0.86%Peer avg: 0.88%▼ Below avg
Risk-Based Capital11.17%Peer avg: 30.04%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam DateRatingExam Type
Oct 1995OutstandingNot Reported
Dec 1993SatisfactoryNot Reported
May 1991SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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