B
Farmers and Merchants Bank of St. Clair
Rating Date
August 2026
Risk Based
Capital Ratio
19.52
Leverage
Ratio
12.76
Return On
Assets
1.17%
Total
Assets
343.47M
Capital
40.44M
Total
Deposits
301.13M
Net
Income
2.03M
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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 7.00
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 -1.18%
5-Year Asset Growth 6.47%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.16%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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Total Assets 343.47M
Total Deposits 301.13M
Capital and Reserves Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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Capital 40.44M
Leverage Ratio 12.76
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio 19.52
Liquidity Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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Hot Money Ratio 20.24%
Liquidity Ratio 18.85%
Profitability Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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5-Year Return on Average Assets 0.98%
Net Income 2.03M
Net Interest Spread 3.94%
Operating Profit to Average Assets 1.48%
Overhead Efficiency Ratio 64.37%
Return on Assets 1.17%
Return on Equity 10.33%