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This institution is no longer active

Operations ceased on August 22, 1996. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF TOPEKA

TOPEKA, KS · Supervised by FDIC

Est. 1888FDIC #4,783RSSD: FDIC-4783
Part ofU.S. Bancorp→ View all charters
Outstanding

Current rating · Exam: March 1996

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.73%

Is this bank safe?

MERCANTILE BANK OF TOPEKA earned an Outstanding CRA rating (1996), is financially strong (ROA +1.73%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

Eighth And Jackson Streets, TOPEKA, KS

County

Shawnee County

Established

July 12, 1888

Total Assets

$229M(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

March 1, 1996

Exam Type

Not Reported

Regulator

FDIC
⚠️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 Q2 1996Call Report / FDIC

Total Assets

$229M

Total Deposits

$172M

Net Loans

$158M

Net Income

$2M

ROA

1.73%

Above avg for Small banks. Peer avg: 0.44%

ROE

22.25%

Risk-Based Capital

12.91%

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).

ROA1.73%Peer avg: 0.44%▲ Above avg
Risk-Based Capital12.91%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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