Mercantile Bank: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
Mercantile Bank reported all 9 line items on this page on its Q3 2026 filing. Unused home equity and credit card lines was $354.2M in Q3 2026, up 20.3% from $294.5M in Q3 2025. That is 5.4% of its total assets. Across the 12 quarters shown it ranged from $216.2M (Q4 2023) to $354.2M (Q3 2026).
What the off-balance-sheet exposure page covers and where each line comes from.
Derivatives notional to total assets dropped 2.33 percentage points in Q3 2026, from 31.32% to 28.99%. It was the largest change from Q2 2026 among the key lines here.
Commitments
| Line item | Q3 2026 |
|---|---|
| Unused home equity and credit card lines | $354.2M |
| Letters of credit | $25.7M |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Derivatives
| Line item | Q3 2026 |
|---|---|
| Total derivatives, notional | $1.89B |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | $0 |
| Derivatives notional to total assets | 28.99% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Trading positions
| Line item | Q3 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused home equity and card lines | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q4 2023 | $216.2M | $14.4M | 26.05% |
| Q1 2024 | $224.9M | $14.8M | 29.52% |
| Q2 2024 | $235.4M | $14.7M | 31.12% |
| Q3 2024 | $244.8M | $13.9M | 31.00% |
| Q4 2024 | $256.6M | $21.9M | 29.75% |
| Q1 2025 | $267.7M | $20.4M | 30.78% |
| Q2 2025 | $287.6M | $21.8M | 32.61% |
| Q3 2025 | $294.5M | $21.4M | 32.69% |
| Q4 2025 | $307.9M | $21.3M | 31.95% |
| Q1 2026 | $323.2M | $25.6M | 30.94% |
| Q2 2026 | $336.2M | $29.0M | 31.32% |
| Q3 2026 | $354.2M | $25.7M | 28.99% |
Mercantile Bank off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, Q3 2026. How these pages are built. See the full Mercantile Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34598) · FFIEC NIC profile (RSSD 2608754)