Farmers and Merchants Bank of St. Clair: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers and Merchants Bank of St. Clair of Saint Clair, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 1.35% | -0.17% | 43rd below |
| ROAE | 10.33% | 12.05% | -1.72% | 38th below |
| Net Interest Margin Ahead of the peer average, behind the median peer. | 3.91% | 3.90% | +0.01% | 48th below |
| Efficiency Ratio | 63.29% | 63.15% | +0.14% | 44th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.58% | 1.64% | -0.06% | 50th above |
| Yield on Earning Assets | 5.46% | 5.65% | -0.19% | 43rd below |
| Cost of Funds | 1.68% | 1.85% | -0.17% | 58th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.33% | 3.35% | -0.02% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.36% | 0.14% | +0.22% | 8th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
| Provision / NCO | 86.41% | 1189.87% | -1103.46% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.30% | 20.83% | -2.53% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.30% | 20.86% | -2.56% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.52% | 21.94% | -2.42% | 71st above |
| Leverage Ratio | 12.76% | 12.46% | +0.30% | 73rd above |
| Equity / Assets | 11.77% | 11.67% | +0.10% | 69th above |
| TCE / Tangible Assets | 11.77% | 11.40% | +0.37% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.96% | 78.64% | -0.68% | 56th above |
| Core Deposit Ratio | 91.93% | 87.09% | +4.84% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.18% | 6.48% | -7.66% | 13th bottom |
| Loan Growth (Y/Y) | 3.71% | 7.64% | -3.93% | 41st below |
| Deposit Growth (Y/Y) | -2.74% | 6.03% | -8.77% | 11th bottom |
See Farmers and Merchants Bank of St. Clair's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers and Merchants Bank of St. Clair, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers and Merchants Bank of St. Clair profile, how to read a UBPR, or how this data updates.