TellerScore

Headquartered in Saint Clair, Missouri, Farmers and Merchants Bank of St. Clair is a state-chartered bank with $343.5M in total assets and $301.1M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1913.

Based on its Q2 2026 filing, Farmers and Merchants Bank of St. Clair scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 28th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (68/100; 1.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.76%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 77.0% · 12.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (80 → 84), mostly because the capital cushion component improved by 11 points.

TellerScore
778184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202477
Q1 202578
Q2 202580
Q3 202582
Q4 202582
Q1 202684
Q2 202684
Tier 1 leverage ratio
5.00%8.88%12.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.28%
Q3 202411.45%
Q4 202411.70%
Q1 202511.33%
Q2 202511.68%
Q3 202512.12%
Q4 202512.52%
Q1 202612.61%
Q2 202612.76%
Noncurrent loans
0.00%0.05%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.00%
Q4 20240.10%
Q1 20250.03%
Q2 20250.08%
Q3 20250.03%
Q4 20250.03%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.79%0.99%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.89%
Q4 20240.92%
Q1 20250.79%
Q2 20251.08%
Q3 20251.13%
Q4 20251.13%
Q1 20261.18%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$343.5M12.76%0.00%1.19%77.0%
Q1 202684$343.0M12.61%0.00%1.18%75.6%
Q4 202582$335.9M12.52%0.03%1.13%79.7%
Q3 202582$338.8M12.12%0.03%1.13%74.6%
Q2 202580$347.6M11.68%0.08%1.08%72.2%
Q1 202578$361.6M11.33%0.03%0.79%68.5%
Q4 202477$342.1M11.70%0.10%0.92%74.2%
Q3 202478$341.2M11.45%0.00%0.89%75.5%
Q2 202478$338.3M11.28%0.01%0.87%73.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.76%
73rd
Total risk-based capital19.52%
85th
Problem loans0.00%
94th
Net charge-offs0.16%
15th
Return on assets1.19%
46th
Net interest margin4.06%
57th
Efficiency ratio64.4%
44th
Loans to deposits77.0%
56th
Uninsured deposits12.6%
88th
Loan-loss reserves1.22%
53rd
Texas ratio0.0%
95th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Exchange Bank Co.Bank Kahoka, MO69 out of 100, Moderate$341.5M9.1%1.33%vs
Midwest Independent BankersBankBank Jefferson City, MO83 out of 100, Strong$341.4M15.3%0.00%vs
Ozark BankBank Ozark, MO55 out of 100, Moderate$341.0M9.2%1.47%vs
Community Bank of RaymoreBank Raymore, MO79 out of 100, Strong$346.9M9.7%0.05%vs
Heritage Community BankBank Union, MO59 out of 100, Moderate$347.8M8.3%0.59%vs
Community State Bank of MissouriBank Bowling Green, MO80 out of 100, Strong$333.9M11.0%0.26%vs

Deposit insurance

Is my money safe at Farmers and Merchants Bank of St. Clair?

Yes. Farmers and Merchants Bank of St. Clair is an FDIC-insured institution (FDIC certificate #14056). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.6% of deposits ($37.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.52% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Farmers and Merchants Bank of St. Clair lists 4 offices in 4 cities. Most locations:

  • Eureka, MO (1)
  • High Ridge, MO (1)
  • Lonedell, MO (1)
  • Saint Clair, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers and Merchants Bank of St. Clair reported 103 home-loan applications under HMDA (LEI 5493001IZBTDOCW8MX74): 83 originated ($19,825,000 total), 6 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Farmers and Merchants Bank of St. Clair
Type
State-chartered bank
FDIC certificate #
14056
RSSD ID
266851
Primary regulator
FDIC
Holding company
Saint Clair Bancshares Inc
Established
May 2, 1913
Headquarters
959 N Commercial Ave, Saint Clair, MO 63077
Employees
62

Quick answers

Farmers and Merchants Bank of St. Clair: common questions

Is Farmers and Merchants Bank of St. Clair FDIC insured?

Yes. Farmers and Merchants Bank of St. Clair is an FDIC-insured institution (FDIC certificate #14056). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers and Merchants Bank of St. Clair's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers and Merchants Bank of St. Clair ever failed?

There is no failure record for FDIC certificate #14056 in the FDIC failed bank list.

How many branches does Farmers and Merchants Bank of St. Clair have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Clair

InstitutionScoreAssetsCapitalProblem loansCompare
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs
The Bank of HoustonBank Houston, MO82 out of 100, Strong$67.4M14.1%0.16%vs
Peoples BankBank Cuba, MO80 out of 100, Strong$248.7M11.0%0.23%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs