C
Mercantile Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Mercantile Bank
Grand Rapids, MI
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Rating C
Asset Quality Index 8.20
Capitalization Index 10.00
Liquidity Index 1.60
Profitability Index 8.30
Stability Index 5.00
Company Info Mercantile Bank
Grand Rapids, MI
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FDIC Number 34598
Phone Number (616) 242-7760
Website www.mercbank.com
Asset Quality Mercantile Bank
Grand Rapids, MI
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1-Year Asset Growth 6.34%
5-Year Asset Growth 13.16%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 1.80%
Non-Performing Loans to Loans 0.40%
Balance Sheet Mercantile Bank
Grand Rapids, MI
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Total Assets 6.23B
Total Deposits 4.84B
Capital and Reserves Mercantile Bank
Grand Rapids, MI
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Capital 735.95M
Leverage Ratio 11.75
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 14.25
Liquidity Mercantile Bank
Grand Rapids, MI
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Hot Money Ratio 12.04%
Liquidity Ratio 10.24%
Profitability Mercantile Bank
Grand Rapids, MI
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5-Year Return on Average Assets 1.47%
Net Income 74.05M
Net Interest Spread 3.57%
Operating Profit to Average Assets 1.92%
Overhead Efficiency Ratio 50.40%
Return on Assets 1.62%
Return on Equity 13.95%