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Farmers And Merchants Bank Of St. Clair
Saint Clair, MO · FDIC Certificate #14056 · Chartered 05/0
Total assets
$343.47M
Total deposits
$301.13M
Total equity
$40.44M
Net loans
$231.90M
Branches (offices)
4
Net income (YTD)
$2.03M
Rank: #2,275 of 4,213 U.S. banks by assets · #90 of 190 in Missouri. Assets changed -1.2% and deposits -2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 10.32% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 11.77% |
| Tier 1 leverage ratio | 12.76% |
| Uninsured deposits (share of deposits) | 12.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 77.0% |
| Real estate loans (share of loans) | 89.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $207.00M | 89.3% | |
| Commercial & industrial | $22.89M | 9.9% | |
| Consumer / individual | $4.23M | 1.8% | |
| Construction & development | $24.56M | 10.6% | |
| Agricultural | $101.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $310.38M | $271.70M | $1.51M | $27.54M |
| Jun 2023 | $347.06M | $313.21M | $1.38M | $29.66M |
| Jun 2024 | $338.31M | $297.44M | $1.47M | $33.11M |
| Jun 2025 | $347.59M | $309.63M | $1.89M | $36.02M |
| Jun 2026 | $343.47M | $301.13M | $2.03M | $40.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $301.13M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $301.13M.
Similar-sized banks
Buena Vista National Bank ($344.04M) · State Bank Of Toulon ($343.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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