Farmers and Merchants Bank of St. Clair

Overview / Commentary
530 South Main Street
Saint Clair, MO 63077

Farmers and Merchants Bank of St. Clair is headquartered in Saint Clair and is the 117th largest bank in the state of Missouri. It is also the 2,824th largest bank in the nation. It was established in 1913 and as of December of 2019, it had grown to 65 employees at 5 locations. Farmers and Merchants Bank of St. Clair has an A+ health rating.


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Health Grade Components

FDIC Certificate #14056
Year Established1913
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD7.72%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$206.1MM$191.7MM
LoansQ4 2019vs Q4 2018$144.1MM$141.8MM
DepositsQ4 2019vs Q4 2018$176.3MM$163.2MM
Equity CapitalQ4 2019vs Q4 2018$27.4MM$24.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.6MM$1.4MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$438.00K$159.00K
Real Estate OwnedQ4 2019vs Q4 2018$90.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers and Merchants Bank of St. Clair Savings Account Rates

2.02%$100-Health Savings Account Qualified
0.51%*$25*$5kLazy River Kids Club Savings
OTHER TIERS: 0.15% $5k+
0.15%-$5kHealth Savings Account
0.10%$100-Statement Savings

Farmers and Merchants Bank of St. Clair Money Market Rates

0.35%*$100k*-Premium MMDA (New Money Only)
OTHER TIERS: 0.30% Up to $100k
0.25%*$100k*-Business MMDA
OTHER TIERS: 0.05% $500 - $2.5k | 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.25%*$100k*-MMDA Regular
OTHER TIERS: 0.05% $500 - $2.5k | 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k

Farmers and Merchants Bank of St. Clair Checking Account Rates

4.07%*-$15kYour Choice Checking - Rewards
OTHER TIERS: 0.10% $15k+
0.10%*$2.5k*-Super NOW Account
OTHER TIERS: 0.05% $1k - $2.5k
0.05%--Your Choice Checking - Premium

Farmers and Merchants Bank of St. Clair CD Rates

1.00%$500-5 Year Bump Up CD
1.00%$500-5 Year CD
0.90%$500-4 Year CD
0.80%$500-36 Month CD
0.80%$5k-33 Month CD
0.79%$5k-19 Month CD Special
0.70%$500-30 Month CD
0.60%$500-24 Month CD
0.59%$500-18 Month CD
0.54%$500-14 Month CD
0.50%$500-10 Month CD
0.50%$500-12 Month CD
0.49%$500-8 Month Add On CD
0.45%$500-6 Month CD
0.35%$1k-91 Day CD

Farmers and Merchants Bank of St. Clair IRA Rates

1.00%$500-60 Month Fixed Rate IRA
0.80%$500-36 Month Fixed Rate IRA
0.65%$500-18 Month Variable Rate IRA
0.60%$500-24 Month Fixed Rate IRA

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. Clair530 South Main StreetSaint Clair, MO 63077
Eureka Branch619 Stockell DriveEureka, MO 63025
Plaza Facility905 St. Clair Plaza DriveSt. Clair, MO 63077

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