Farmers and Merchants Bank of St. Clair
Saint Clair, MO
IDRSSD: 266851
Total Assets
$335.85M
Latest filing
Total Deposits
$285.51M
Latest filing
Net Interest Margin
4.08%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank of St. Clair
959 N Commercial Ave
Saint Clair, MO 63077
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/02/1913FDIC Certificate 8785
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Bank of St. Clair (Main) | 959 N Commercial Ave | Saint Clair, MO |
| HIGH RIDGE BRANCH | 1010 Crossroads Pl | High Ridge, MO |
| LONEDELL BRANCH | 3732 Highway 30 | Lonedell, MO |
| EUREKA BRANCH | 619 Stockell Dr | Eureka, MO |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| 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 | 01/30/2026 |
| CERT | 14056 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $335.85M |
| Total Deposits | $285.51M |
| Total Liabilities | $297.24M |
| Total Equity Capital | $38.61M |
| Net Income | $966.00k |
| Net Loans and Leases | $227.61M |
| Assets Per Employee ($Millions) | $5.79M |
| Bank Premises and Fixed Assets | $9.87M |
| Cash and Balances due from Depository Institutions | $8.48M |
| Deposits Held in Domestic Offices | $285.51M |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 10.17% |
| Net Interest Margin | 4.08% |
| Efficiency Ratio | 61.4% |
| Tier 1 Risk-Based Capital Ratio | 17.832% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.497% |
| Earning Assets to total Assets | 92.21% |
Income and Expense
| Total Interest Income | $4.43M |
| Total Noninterest Income | $646.00k |
| Total Interest Expense | $1.26M |
| Total Noninterest Expense | $2.34M |
| Net Interest Income | $3.17M |
| Pre-tax Net Operating Income | $1.43M |
| Provision for Credit Losses | $45.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $39.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.73M |
| Total Liabilities and Capital | $335.85M |
Securities
| Securities | $76.26M |
| Available-for-sale debt securities | $76.26M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers and Merchants Bank of St. Clair?
$335.85M as of the latest filing.
How much are Farmers and Merchants Bank of St. Clair's total deposits?
$285.51M in total deposits.
Where is Farmers and Merchants Bank of St. Clair located?
Saint Clair, MO.
What is the Net Interest Margin?
4.08%.
How many domestic offices does it operate?
4.
When was it established?
05/02/1913.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$227.61M (latest filing).
What is the total interest income (latest filing)?
$4.43M.