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This institution is no longer active

Operations ceased on March 7, 1997. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF JOPLIN

JOPLIN, MO · Supervised by FDIC

Est. 1928FDIC #4,585RSSD: FDIC-4585
Part ofU.S. Bancorp→ View all charters
Outstanding

Current rating · Exam: April 1995

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.76%

Is this bank safe?

MERCANTILE BANK OF JOPLIN earned an Outstanding CRA rating (1995), is financially strong (ROA +1.76%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

Fourth And Main Streets, JOPLIN, MO

County

Jasper County

Established

January 2, 1928

Total Assets

$414M(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

April 1, 1995

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 1996Call Report / FDIC

Total Assets

$414M

Total Deposits

$363M

Net Loans

$304M

Net Income

$7M

ROA

1.76%

Above avg for Small banks. Peer avg: 0.44%

ROE

22.04%

Risk-Based Capital

12.09%

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).

ROA1.76%Peer avg: 0.44%▲ Above avg
Risk-Based Capital12.09%Peer avg: 23.03%▼ Below avg

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

This is the only examination on record for this bank.

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