This institution is no longer active

Operations ceased on October 18, 1996. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF WEST CENTRAL MISSOURI

SEDALIA, MO · Supervised by FDIC

Est. 1932FDIC #1,065RSSD: FDIC-1065

Part ofU.S. Bancorp→ View all charters

Outstanding Up

Current rating · Exam: December 1995

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.27%

Is this bank safe?

MERCANTILE BANK OF WEST CENTRAL MISSOURI earned an Outstanding CRA rating (1995), is financially strong (ROA +1.27%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

3615 West Broadway, SEDALIA, MO

County

Pettis County

Established

June 2, 1932

Total Assets

$132M(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

December 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 1996Call Report / FDIC

Total Assets

$132M

Total Deposits

$115M

Net Loans

$94M

Net Income

$1M

ROA

1.27%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.48%

Risk-Based Capital

15.98%

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).

ROA1.27%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.98%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 1995	Outstanding	Not Reported
Sep 1993	Satisfactory	Not Reported
Jun 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/mercantile-bank-of-west-central-missouri"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: