Bank call report · Saint Clair, MO
Farmers and Merchants Bank of St. Clair Call Report
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Farmers and Merchants Bank of St. Clair filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 320 reported line items, schedule by schedule (747 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 266851 |
| FDIC certificate number | 14056 |
| Total assets | $343.5M |
Official Q2 2026 call report PDF (FFIEC) →
Farmers and Merchants Bank of St. Clair call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Farmers and Merchants Bank of St. Clair balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $343.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $343.5M |
| Total Liabilities and Minority Interest | RCON2948 | $303.0M |
| Total Deposits | RCON2200 | $301.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $239.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $234.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $231.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $76.8M |
| Deposits: Noninterest-bearing | RCON6631 | $61.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $42.7M |
| Total Equity Capital | RCON3210 | $40.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $40.4M |
| Other Assets | RCON2160 | $13.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $9.8M |
| Interest-bearing Balances | RCON0071 | $8.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.9M |
| Other Liabilities, Total | RCON2930 | $1.9M |
| Surplus | RCON3839 | $1.7M |
| Loans and Leases Held for Sale | RCON5369 | $463K |
| Intangible Assets | RCON2143 | $263K |
| Common Stock | RCON3230 | $100K |
| Federal Funds Sold | RCONB987 | $39K |
Schedule RI: Income Statement (45 items)
About Schedule RI · Farmers and Merchants Bank of St. Clair income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $8.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $7.5M |
| Net Interest Income | RIAD4074 | $6.4M |
| Total Noninterest Expense | RIAD4093 | $4.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.6M |
| Total Interest Expense | RIAD4073 | $2.5M |
| Salaries and Employee Benefits | RIAD4135 | $2.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.0M |
| Net Income (Loss) | RIAD4340 | $2.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.0M |
| Other Noninterest Expense | RIAD4092 | $1.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.5M |
| Total Noninterest Income | RIAD4079 | $1.3M |
| Other Noninterest Income | RIADB497 | $819K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $809K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $631K |
| Interest on Other Securities | RIAD4060 | $577K |
| Applicable Income Taxes | RIAD4302 | $542K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $432K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $380K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $329K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $315K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $283K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $255K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $244K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $186K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $183K |
| Provision for Loan and Lease Losses | RIAD4230 | $159K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $153K |
| Other Interest Expense | RIADGW44 | $73K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $66K |
| Net Servicing Fees | RIADB492 | $30K |
| Noninterest income: Income from insurance activities | RIADHT74 | $25K |
| Other Interest Income | RIAD4518 | $22K |
| Income from Lease Financing Receivables | RIAD4065 | $18K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $17K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $12K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $6K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $3K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 62 |
Schedule RC-B: Securities (23 items)
About Schedule RC-B · Farmers and Merchants Bank of St. Clair securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $5.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $5.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $82.8M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $35.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $32.6M |
| Pledged Securities | RCON0416 | $31.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $18.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $15.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $14.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $14.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $14.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $12.7M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $11.9M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $11.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $9.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $8.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $8.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $7.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $6.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $6.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $3.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $1.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $994K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Farmers and Merchants Bank of St. Clair loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $234.8M |
| Pledged Loans and Leases | RCONG378 | $139.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $85.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $60.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $48.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $37.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $32.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $30.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $29.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $25.5M |
| Commercial and Industrial Loans | RCON1766 | $22.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $20.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $19.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $19.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $17.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $16.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $14.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $12.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $12.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $11.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $7.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $6.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $5.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $4.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.6M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.3M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $495K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $101K |
| Other Loans | RCONJ464 | $48K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $5K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $16.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $4.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $688K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $91K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $10K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 115 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 53 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 50 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 35 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 17 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 13 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 1 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Farmers and Merchants Bank of St. Clair deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $189.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $172.5M |
| Total Transaction Accounts | RCON2215 | $111.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $108.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $98.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $51.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $50.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $48.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $45.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $36.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $28.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $27.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $24.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $22.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $16.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $13.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $13.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $8.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $8.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $8.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $4.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $2.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.7M |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $8.8M |
| Accrued Interest Receivable | RCONB556 | $1.5M |
| Other Assets | RCON2168 | $1.2M |
| Net Deferred Tax Assets | RCON2148 | $1.2M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $638K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $422K |
| Prepaid Expenses | RCON2166 | $381K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $160K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $972K |
| Deferred Compensation Liabilities | RCONC011 | $611K |
| Other Expenses Accrued and Unpaid | RCON3646 | $476K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $331K |
| Operating lease liabilities | RCONLB56 | $298K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $124K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Farmers and Merchants Bank of St. Clair quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $349.1M |
| Quarterly Average of Total Loans | RCON3360 | $229.1M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $109.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $92.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $88.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $76.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $51.9M |
| All Other Securities | RCONB560 | $35.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $25.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $24.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $23.0M |
| Mortgage-backed Securities | RCONB559 | $21.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $15.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.1M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $662K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $382K |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $94K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Farmers and Merchants Bank of St. Clair derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $11.7M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $8.9M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $8.9M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $8.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $8.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $8.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $5.6M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $120K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $97K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Farmers and Merchants Bank of St. Clair memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $4.1M |
| Mortgage Servicing Assets | RCON3164 | $263K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $250K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (4 items)
About Schedule RC-N · Farmers and Merchants Bank of St. Clair past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $488K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $270K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $216K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Farmers and Merchants Bank of St. Clair other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $349.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $301.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $222.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $70.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $44.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 16,107 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 259 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 132 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Farmers and Merchants Bank of St. Clair regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $243.4M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Farmers and Merchants Bank of St. Clair regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $349.1M |
| Average total consolidated assets | RCOAKW03 | $349.1M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $243.4M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $47.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $44.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $44.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $44.5M |
| Retained Earnings | RCOAKW00 | $42.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $40.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.8M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1952 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.183 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.183 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1276 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1152 |
Schedule RC-R, Part II: Risk-Weighted Assets (57 items)
About Schedule RC-R, Part II · Farmers and Merchants Bank of St. Clair risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $243.4M |
| Total Risk-weighted Assets | RCONG641 | $243.4M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $183.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $183.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $172.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $141.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $141.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $93.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $89.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $89.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $85.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $76.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $71.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $71.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $64.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $44.5M |
| Total All Other Assets | RCOND981 | $23.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $22.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $19.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $19.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $17.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $14.2M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $13.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $11.6M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$8.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $8.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $8.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $8.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $7.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $6.4M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$6.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $6.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $5.7M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $3.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $1.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $1.3M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $997K |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $680K |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $675K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $675K |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $658K |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $638K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS415 | $463K |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $463K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $263K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $263K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $263K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $252K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $170K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $170K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $170K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $99K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $97K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $97K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $97K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $39K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $39K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $40.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $38.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $38.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $350K |
| Other Comprehensive Income | RIADB511 | $145K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · Farmers and Merchants Bank of St. Clair charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $229K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $194K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $45K |
| Recoveries on Lease Financing Receivables | RIAD4267 | $35K |
| Charge-offs on Lease Financing Receivables | RIAD4266 | $22K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $13K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $7K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $2K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Farmers and Merchants Bank of St. Clair changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.9M |
| Allowance for Loan and Lease Losses | RIAD3123 | $2.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $229K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$6K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $23.7M |
Farmers and Merchants Bank of St. Clair call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Farmers and Merchants Bank of St. Clair call report?
The Farmers and Merchants Bank of St. Clair call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Farmers and Merchants Bank of St. Clair file?
Farmers and Merchants Bank of St. Clair files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Farmers and Merchants Bank of St. Clair call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Farmers and Merchants Bank of St. Clair has Federal Reserve RSSD ID 266851 and FDIC certificate number 14056. Either one finds its filings on the FFIEC Central Data Repository.
How often does Farmers and Merchants Bank of St. Clair file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Farmers and Merchants Bank of St. Clair financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 14056) · FFIEC NIC profile (RSSD 266851)