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Farmers and Merchants Bank of St. Clair


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fmb4banking.com
636-629-2225
959 N Commercial Ave
Saint Clair, MO 63077

Farmers and Merchants Bank of St. Clair is headquartered in SAINT CLAIR and is the 89th largest bank in the state of Missouri. It is also the 2,232nd largest bank in the nation. It was established in 1913 and as of March of 2025, it had grown to 56 employees at 4 locations. Farmers and Merchants Bank of St. Clair has an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #14056
Year Established1913
Employees56
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD8.03%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$361.6MM$342.2MM
LoansQ1 2025vs Q1 2024$217.8MM$216.3MM
DepositsQ1 2025vs Q1 2024$317.9MM$302.2MM
Equity CapitalQ1 2025vs Q1 2024$35.2MM$32.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.8MM$2.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$70K$468K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Sorry, we do not have rate data for Farmers and Merchants Bank of St. Clair.

Locations


Farmers and Merchants Bank of St. Clair Locations
High Ridge Branch1010 Crossroads PlaceHigh Ridge, MO 63049
Lonedell Branch3732 Hwy 30, Suite BLonedell, MO 63060
Farmers and Merchants Bank Of St. Clair959 N Commercial AveSaint Clair, MO 63077
Eureka Branch619 Stockell DriveEureka, MO 63025

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