Farmers and Merchants Bank of St. Clair
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Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank of St. Clair is an FDIC-insured commercial bank headquartered in Saint Clair, MO, supervised by the FDIC, with $343.5M in total assets at Q2 2026, down 1.2% from Q2 2025, the 90th largest of 191 banks headquartered in Missouri. It was established in 1913 and holds FDIC certificate 14056. Its CET1 capital ratio was 18.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14056
- Headquarters
- Saint Clair, MO
- Established
- 1913
- Total assets, Q2 2026
- $343.5M
- Assets vs Q2 2025
- -1.2%
- CET1 ratio, Q2 2026
- 18.30%
- Domestic offices
- 4 · Farmers and Merchants Bank of St. Clair branches FDIC institution directory, current count
- Routing number
- 081914131
- Safety and soundness
- Is Farmers and Merchants Bank of St. Clair safe?
- Latest call report
- Q2 2026, FFIEC 051 · Farmers and Merchants Bank of St. Clair Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- SAINT CLAIR BANCSHARES, INC.
- Asset rank in state
- 90th of 191 in Missouri
Farmers and Merchants Bank of St. Clair, based in Saint Clair, Missouri, reported $343 million in assets at June 30, 2026, down 1.2% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also lost 2.7% of its deposits over the year, lower than about three-quarters of banks its size (median 4.1%).
Net income for the quarter slipped 14% from a year earlier, to $1.0 million. Over the same year, loans grew 3.7% and deposits shrank 2.7%. One more trend to watch: delinquency has appeared in its $31 million non-owner-occupied commercial real estate book: 0.88% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Farmers and Merchants Bank of St. Clair reported a CET1 capital ratio of 18.30%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Farmers and Merchants Bank of St. Clair ranks as the 90th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $343.5M, loans rose 1.5% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.9% of total loans, followed by multifamily loans at 16.1%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in MO; its Saint Clair office books 51% of its branch deposits. On its Q2 2026 call report, Farmers and Merchants Bank of St. Clair meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 959 N Commercial Ave, Saint Clair, MO 63077
- County
- Franklin
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 2, 1913
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $301.1M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $184K
- Average total assets
- $349.1M
- Average total loans
- $229.1M
- Average interest-bearing deposits
- $240.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 12, 1934
- FDIC Cert
- 14056
- Fed RSSD
- 266851
- Website
- www.fmb4banking.bank →
- Parent Holding Company
- SAINT CLAIR BANCSHARES, INC. (RSSD 2591539)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Farmers and Merchants Bank of St. Clair's total assets moved between a low of $335.1M (Q4 2023) and a high of $361.6M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$343.5M total assets against $347.6M; $303.0M total liabilities against $311.6M.
$231.9M net loans and leases against $223.5M; $301.1M total deposits against $309.6M.
$76.8M securities against $73.7M; $11.7M cash and balances due against $27.1M.
$4.4M total interest income against $4.5M; $1.3M total interest expense against $1.5M.
$3.2M net interest income against $3.0M.
$664K total noninterest income against $835K; $2.5M total noninterest expense against $2.4M.
$82K provision for credit losses against $41K.
$1.0M net income against $1.2M.
1.18% return on assets against 1.32%; 3.91% net interest margin against 3.58%.
18.30% CET1 capital ratio against 17.67%; 12.76% tier 1 leverage ratio against 11.68%.
Inside the full Farmers and Merchants Bank of St. Clair terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers and Merchants Bank of St. Clair rankings
Its closest position to the top of a national ranking is 451 of 2,134, for CET1 ratio; its furthest is 3,450 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q1 2025) to 1.32% (Q2 2025) and its net interest margin ran from 3.22% (Q1 2025) to 3.99% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.30% | 1.18% | 0.00% | 0.00% | 3.91% |
| Q1 2026 | 17.95% | 1.16% | 0.00% | 0.00% | 3.98% |
| Q4 2025 | 17.83% | 1.13% | 0.03% | 0.16% | 3.99% |
| Q3 2025 | 17.83% | 1.20% | 0.03% | 0.18% | 3.96% |
| Q2 2025 | 17.67% | 1.32% | 0.08% | 0.46% | 3.58% |
| Q1 2025 | 17.51% | 0.77% | 0.03% | 0.18% | 3.22% |
| Q4 2024 | 17.15% | 0.98% | 0.10% | 8.87% | 3.49% |
| Q3 2024 | 16.66% | 0.93% | 0.00% | 1.15% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants Bank of St. Clair (main office) | Saint Clair , MO | 63077 | $154.0M |
| High Ridge Branch | High Ridge , MO | 63049 | $79.7M |
| Eureka Branch | Eureka , MO | 63025 | $47.3M |
| Lonedell Branch | Lonedell , MO | 63060 | $20.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 112 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 103 applications, 83 loans originated, $19.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $593K approved, $198K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, Farmers and Merchants Bank of St. Clair reported total assets of $343.5 million in its FFIEC call report.
Where is Farmers and Merchants Bank of St. Clair headquartered?
It is headquartered in Saint Clair, MO, United States.
When was Farmers and Merchants Bank of St. Clair founded?
It was established in 1913, per the FDIC institution directory.
Is Farmers and Merchants Bank of St. Clair FDIC-insured?
Yes. It 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.
What is Farmers and Merchants Bank of St. Clair's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers and Merchants Bank of St. Clair operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Merchants Bank of St. Clair's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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