Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	05/02/1913
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	63077
State and County Number	29071
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	08
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Kansas City
Core Based Statistical Area Name	St. Louis, MO-IL

Operational Info

Number of Employees	56
Domestic Offices	4
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	08/31/2022
Date of Deposit Insurance	03/12/1934
Primary Insurance Agency	DIF
Website	www.fmb4banking.bank
Data Updated	11/14/2025
CERT	14056
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$338.76M
Total Deposits	$299.26M
Total Liabilities	$301.36M
Total Equity Capital	$37.41M
Net Income	$1.05M
Net Loans and Leases	$223.35M
Assets Per Employee ($Millions)	$6.05M
Bank Premises and Fixed Assets	$9.99M
Cash and Balances due from Depository Institutions	$15.59M
Deposits Held in Domestic Offices	$299.26M

Return on Assets (ROA)	1.22%
Return on Equity (ROE)	11.41%
Net Interest Margin	4.03%
Efficiency Ratio	62.46%
Tier 1 Risk-Based Capital Ratio	17.827%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.1%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	11.043%
Earning Assets to total Assets	92.23%

Total Interest Income	$4.53M
Total Noninterest Income	$569.00k
Total Interest Expense	$1.33M
Total Noninterest Expense	$2.35M
Net Interest Income	$3.19M
Pre-tax Net Operating Income	$1.32M
Provision for Credit Losses	$88.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$38.00k
Federal Funds Purchased and Repurchased Agreement	$132.00k
All Other Liabilities	$1.96M
Total Liabilities and Capital	$338.76M

Securities	$76.67M
Available-for-sale debt securities	$76.67M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Farmers and Merchants Bank of St. Clair?

$338.76M as of the latest filing.

How much are Farmers and Merchants Bank of St. Clair's total deposits?

$299.26M in total deposits.

Where is Farmers and Merchants Bank of St. Clair located?

Saint Clair, MO.

What is the Net Interest Margin?

4.03%.

How many domestic offices does it operate?

When was it established?

05/02/1913.

What is the Return on Assets (ROA)?

1.22%.

How much are total loans and leases?

$223.35M (latest filing).

What is the total interest income (latest filing)?

$4.53M.