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 Farmers and Merchants Bank of St. Clair
Farmers and Merchants Bank of St. Clair
| RSSD ID 266851 | CERTIFICATE 14056 | ABA NUMBER 81914131 |
| 959 N Commercial Ave |
Quarter Ended : |
2025-12-31 |
| Saint Clair, Missouri, 63077 |
Updated : |
2026-01-22 |
| www.fmb4banking.bank |
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| Institution Profile |
| Year Opened : |
1913 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
58 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 335,850 |
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Total Interest Income | 17,822 |
| Total Liabilities | 297,239 |
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Total NonInterest Income | 2,619 |
| Total Bank Equity Capital | 38,611 |
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Total Interest Expense | 5,770 |
| Total Deposits | 285,509 |
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Total NonInterest Expense | 9,348 |
| Net Loans & Leases | 227,612 |
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Net Income | 3,902 |
| Loan Loss Allowance | 2,888 |
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Net Charge Offs | 141 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 45,852 |
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Total loans | 222,711 |
| Total assets for the leverage ratio | 342,305 |
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Loans secured by real estate: | 199,697 |
| Tier 1 Leverage Ratio | 12.52 |
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Commercial and industrial loans | 18,618 |
| Tier 1 Capital Ratio | 17.83 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 19.08 |
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Loans to individuals - Other | 4,378 |
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:· Farmers and Merchants Bank of St. Clair
