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Farmers and Merchants Bank of St. Clair Locations & Branches Saint Clair, Missouri
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Farmers and Merchants Bank of St. Clair operates 4 branches from its headquarters in Saint Clair, MO, . Its main office is at 959 N Commercial Ave, Saint Clair, MO 63077.
Farmers and Merchants Bank of St. Clair branch network
All 4 branches are in MISSOURI, across 4 cities. Its largest office by deposits is its main office in Saint Clair, MO, with $154.0M (51.1% of its branch deposits). It had the same number of branches on June 30, 2025.
Farmers and Merchants Bank of St. Clair at a glance
Its CET1 capital ratio was 18.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $343.5M
- CET1 ratio, Q2 2026
- 18.30%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1913
Full financial profile · Is Farmers and Merchants Bank of St. Clair safe? · Farmers and Merchants Bank of St. Clair Q3 2026 call report, filed October 22, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Saint Clair, MO (1 branch) | 1 of 2 | 74.3% | $154.0M |
| State: MO (4 branches) | 112 of 249 | 0.1% | $301.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in Missouri.
Share by county and metro area
Farmers and Merchants Bank of St. Clair's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Franklin, MO (2 branches) | 9 of 17 | 4.4% | $174.2M | $3.93B |
| Jefferson, MO (1 branch) | 14 of 24 | 2.0% | $79.7M | $3.89B |
| St. Louis, MO (1 branch) | 43 of 55 | <0.1% | $47.3M | $48.49B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| St. Louis, MO-IL (4 branches) | 56 of 111 | 0.2% | $301.1M | $141.72B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 14056) · FFIEC NIC profile (RSSD 266851)