B
Farmers and Merchants Bank of St. Clair
Rating Date
March 2026
Risk Based
Capital Ratio
19.08
Leverage
Ratio
12.52
Return On
Assets
1.11%
Total
Assets
335.85M
Capital
38.61M
Total
Deposits
285.51M
Net
Income
3.90M
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Weiss Ratings Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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Rating B
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 5.40
Stability Index 6.80
Company Info Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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FDIC Number 14056
Phone Number (636) 629-2225
Website www.fmb4banking.bank
Asset Quality Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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1-Year Asset Growth -1.82%
5-Year Asset Growth 6.47%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.15%
Non-Performing Loans to Loans 0.03%
Balance Sheet Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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Total Assets 335.85M
Total Deposits 285.51M
Capital and Reserves Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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Capital 38.61M
Leverage Ratio 12.52
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 19.08
Liquidity Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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Hot Money Ratio 20.82%
Liquidity Ratio 16.72%
Profitability Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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5-Year Return on Average Assets 0.93%
Net Income 3.90M
Net Interest Spread 3.68%
Operating Profit to Average Assets 1.38%
Overhead Efficiency Ratio 63.72%
Return on Assets 1.11%
Return on Equity 10.76%