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This institution is no longer active

Operations ceased on August 11, 1997. CRA examination history below reflects the period it was active.

THE MERCHANTS NATIONAL BANK OF FORT SMITH

FORT SMITH, AR · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1882FDIC #3,866
Outstanding Same

Current rating · Exam: April 1995

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At a Glance

Community Lending (CRA)

Outstanding

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

Is this bank safe?

THE MERCHANTS NATIONAL BANK OF FORT SMITH earned an Outstanding CRA rating (1995).

Institution Profile

FDIC BankFind

Address

723 Garrison Avenue, FORT SMITH, AR

County

Sebastian County

Established

October 17, 1882

Total Assets

$319M(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 15, 1995

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)
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)

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Apr 1995OutstandingNot Reported
Dec 1993OutstandingNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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