Bank Comparison
Farmers and Merchants Bank of ST. Clair vs Clare Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 3
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank of ST. Clair | Clare Bank, N.A. |
|---|---|---|
| CET1 Ratio | 17.96% | — |
| Tier 1 Capital Ratio | 17.96% | — |
| Total Capital Ratio | 19.21% | — |
| Tier 1 Leverage Ratio | 12.61% | 11.29% |
| Equity / Assets | 11.39% | 8.88% |
Profitability
| Metric | Farmers and Merchants Bank of ST. Clair | Clare Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 0.93% |
| Return on Equity (ROE) | 10.34% | 11.01% |
| Net Interest Margin (NIM) | 3.98% | 2.32% |
| Yield on Earning Assets | 5.54% | 3.94% |
| Cost of Funds | 1.70% | 1.82% |
Asset quality
| Metric | Farmers and Merchants Bank of ST. Clair | Clare Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.00% | 3.90% |
| Non-Performing Loan Ratio | 0.00% | 0.70% |
| Non-Performing Asset Ratio | 0.00% | 0.35% |
| Net Charge-Off Ratio | -0.04% | 0.00% |
| ACL / Loans | 1.29% | 0.47% |
Balance sheet
| Metric | Farmers and Merchants Bank of ST. Clair | Clare Bank, N.A. |
|---|---|---|
| Total Assets | $343,040K | $342,755K |
| Total Deposits | $302,212K | $286,713K |
| Total Loans | $231,305K | $172,951K |
| Total Equity | $39,085K | $30,439K |
| Net Income (quarter) | $1,004K | $831 |
Liquidity & funding
| Metric | Farmers and Merchants Bank of ST. Clair | Clare Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 76.54% | 60.32% |
| Core Deposit Ratio | 92.50% | 97.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank of ST. Clair | Clare Bank, N.A. |
|---|---|---|
| Headquarters City | SAINT CLAIR | PLATTEVILLE |
| Headquarters State | MO | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 15649 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 8 |
| Employees (FTE) | 55 | 39 |
| Established | May 2, 1913, midnight | Oct. 28, 1905, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Farmers and Merchants Bank of ST. Clair profile | View full Clare Bank, N.A. profile | Browse all bank comparisons