FARMERS AND MERCHANTS BANK OF ST. CLAIR
FARMERS AND MERCHANTS BANK OF ST. CLAIR is an FDIC-insured commercial bank headquartered in SAINT CLAIR, MO, established in 1913. As of , the bank reported total assets of $336M and total deposits of $286M. Profitability stands at 1.15% ROA and 10.17% ROE, with a net interest margin of 3.98%. CET1 capital ratio: 17.83%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.16%. Operates 4 domestic branches.
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Farmers and Merchants Bank of ST. Clair rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.83% | 1.15% | 0.03% | 0.16% | 3.98% |
| 2025-09-30 | 17.83% | 1.22% | 0.03% | 0.18% | 3.93% |
| 2025-06-30 | 17.67% | 1.34% | 0.03% | 0.17% | 3.56% |
| 2025-03-31 | 17.51% | 0.79% | 0.03% | 0.18% | 3.20% |
| 2024-12-31 | 17.15% | 0.99% | 0.10% | 9.20% | 3.48% |
| 2024-09-30 | 16.66% | 0.95% | 0.00% | 1.15% | 3.46% |
| 2024-06-30 | 16.68% | 0.90% | 0.01% | 1.27% | 3.42% |
| 2024-03-31 | 16.55% | 0.84% | 0.21% | 1.29% | 3.28% |
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Frequently asked about FARMERS AND MERCHANTS BANK OF ST. CLAIR
What are Farmers and Merchants Bank of ST. Clair's total assets?
As of the Q4 2025 filing, Farmers and Merchants Bank of ST. Clair reported total assets of $335.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers and Merchants Bank of ST. Clair headquartered?
Farmers and Merchants Bank of ST. Clair is headquartered in SAINT CLAIR, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers and Merchants Bank of ST. Clair founded?
Farmers and Merchants Bank of ST. Clair was established in 1913, per the FDIC institution directory.
Is Farmers and Merchants Bank of ST. Clair FDIC-insured?
Yes. Farmers and Merchants Bank of ST. Clair is an FDIC-insured commercial bank (FDIC Certificate #14056). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers and Merchants Bank of ST. Clair?
Farmers and Merchants Bank of ST. Clair's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers and Merchants Bank of ST. Clair's CET1 capital ratio?
Farmers and Merchants Bank of ST. Clair reported a Common Equity Tier 1 (CET1) capital ratio of 17.83% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Farmers and Merchants Bank of ST. Clair operate?
Farmers and Merchants Bank of ST. Clair operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers and Merchants Bank of ST. Clair's Texas Ratio?
Farmers and Merchants Bank of ST. Clair's Texas Ratio is 0.16% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.