This institution is no longer active

Operations ceased on December 12, 1997. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF PLATTSBURG

HARTFORD, IL · Supervised by FDIC

Est. 1890FDIC #4,601RSSD: FDIC-4601

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

Strong

ROA 1.28%

Institution Profile

FDIC BankFind

Address

140 West Hawthorne, HARTFORD, IL

County

Madison County

Established

January 1, 1890

Total Assets

$6.9B(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

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 1997Call Report / FDIC

Total Assets

$6.9B

Total Deposits

$5.2B

Net Loans

$4.0B

Net Income

$17M

ROA

1.28%

Above avg for Community banks. Peer avg: 0.90%

ROE

19.78%

Risk-Based Capital

12.87%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.28%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.87%Peer avg: 12.91%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

Exam Date	Rating	Exam Type
May 1995	Outstanding	Not Reported
Mar 1993	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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