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This institution is no longer active

Operations ceased on December 12, 1998. CRA examination history below reflects the period it was active.

MERCANTILE BANK OF WESTERN MISSOURI

JOPLIN, MO · Supervised by FDIC

Est. 1919FDIC #12,681RSSD: FDIC-12681
Part ofU.S. Bancorp→ View all charters
Outstanding

Current rating · Exam: April 1998

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.37%

Is this bank safe?

MERCANTILE BANK OF WESTERN MISSOURI earned an Outstanding CRA rating (1998), is financially strong (ROA +1.37%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

402 Main Street, JOPLIN, MO

County

Jasper County

Established

October 18, 1919

Total Assets

$663M(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, 1998

Exam Type

Large Bank

Regulator

FDIC
⚠️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 Q3 1998Call Report / FDIC

Total Assets

$663M

Total Deposits

$596M

Net Loans

$421M

Net Income

$7M

ROA

1.37%

Above avg for Small banks. Peer avg: 0.44%

ROE

19.55%

Risk-Based Capital

11.19%

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).

ROA1.37%Peer avg: 0.44%▲ Above avg
Risk-Based Capital11.19%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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