B
Farmers and Merchants Bank of St. Clair
Rating Date
October 2025
Risk Based
Capital Ratio
19.08
Leverage
Ratio
12.12
Return On
Assets
1.10%
Total
Assets
338.77M
Capital
37.41M
Total
Deposits
299.27M
Net
Income
2.94M
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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 2.60
Profitability Index 5.30
Stability Index 6.40
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 -0.71%
5-Year Asset Growth 13.19%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.16%
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 338.77M
Total Deposits 299.27M
Capital and Reserves Farmers and Merchants Bank of St. Clair
Saint Clair, MO 		Click to
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Capital 37.41M
Leverage Ratio 12.12
Loan Loss Reserves to Loans 1.29%
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 20.35%
Liquidity Ratio 20.31%
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 2.94M
Net Interest Spread 3.58%
Operating Profit to Average Assets 1.37%
Overhead Efficiency Ratio 64.53%
Return on Assets 1.10%
Return on Equity 10.96%