Farmers and Merchants Bank of St. Clair: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.41 percentage points lower than in Q1 2026, at 51.83%. Farmers and Merchants Bank of St. Clair ranks 125th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 77.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers and Merchants Bank of St. Clair sits 2.88 points lower, at 77.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $234.8M |
| Net loans and leases | $231.9M |
| Loans held for sale | $463K |
| Loans to total assets | 68.35% |
| Loan-to-deposit ratio | 77.96% |
| Net loans to equity capital | 5.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.75% |
| Multifamily (5+ residential) | 16.10% |
| Commercial and industrial | 9.75% |
| Consumer | 1.80% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.41% |
| Construction concentration (Tier 1 capital + allowance) | 51.83% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.33% |
| Interest income on loans | $3.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $222.7M | $303.6M | 21.76% | 11.88% | 2.17% |
| Q4 2023 | $221.1M | $295.4M | 21.58% | 14.69% | 2.22% |
| Q1 2024 | $218.9M | $302.2M | 21.48% | 14.33% | 2.12% |
| Q2 2024 | $220.4M | $297.4M | 24.73% | 11.95% | 2.17% |
| Q3 2024 | $227.9M | $298.2M | 23.41% | 12.85% | 1.98% |
| Q4 2024 | $222.3M | $296.0M | 21.65% | 12.43% | 2.01% |
| Q1 2025 | $220.6M | $317.9M | 20.53% | 12.00% | 2.05% |
| Q2 2025 | $226.4M | $309.6M | 20.41% | 10.78% | 1.93% |
| Q3 2025 | $226.3M | $299.3M | 20.74% | 9.95% | 1.99% |
| Q4 2025 | $230.5M | $285.5M | 21.74% | 8.04% | 1.81% |
| Q1 2026 | $231.3M | $302.2M | 21.47% | 10.14% | 1.72% |
| Q2 2026 | $234.8M | $301.1M | 21.75% | 9.75% | 1.80% |
Farmers and Merchants Bank of St. Clair loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of St. Clair, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers and Merchants Bank of St. Clair profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14056) · FFIEC NIC profile (RSSD 266851)