This institution is no longer active

Operations ceased on April 14, 2000. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF SOUTHERN ILLINOIS

SPRINGFIELD, IL · Supervised by FDIC

Est. 1934FDIC #10,025RSSD: FDIC-10025

Part ofU.S. Bancorp→ View all charters

Satisfactory Down

Current rating · Exam: May 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.23%

Institution Profile

FDIC BankFind

Address

205 South Fifth Street, SPRINGFIELD, IL

County

Sangamon County

Established

January 1, 1934

Total Assets

$2.1B(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

May 1, 1998

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 2000Call Report / FDIC

Total Assets

$2.1B

Total Deposits

$1.8B

Net Loans

$1.3B

Net Income

$6M

ROA

1.23%

Above avg for Community banks. Peer avg: 0.90%

ROE

15.23%

Risk-Based Capital

12.80%

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).

ROA1.23%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.80%Peer avg: 12.91%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
May 1998	Satisfactory	Large Bank
Dec 1994	Outstanding	Not Reported
Dec 1992	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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