Farmers and Merchants Bank of St. Clair

Overview / Commentary

www.fmb4banking.com

636-629-2225

530 South Main Street
Saint Clair, MO 63077

Farmers and Merchants Bank of St. Clair is headquartered in Saint Clair and is the 118^th largest bank in the state of Missouri. It is also the 2,871^st largest bank in the nation. It was established in 1913 and as of June of 2019, it had grown to 67 employees at 5 locations. Farmers and Merchants Bank of St. Clair's CD rates are 39% higher than the national average, and it boasts an A+ health rating.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

A+

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	14056
Year Established	1913
Employees	67
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.96%
Return on Equity - YTD	7.4%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$201.0MM$194.5MM
Loans	Q2 2019vs Q2 2018	$139.3MM$143.8MM
Deposits	Q2 2019vs Q2 2018	$173.4MM$166.6MM
Equity Capital	Q2 2019vs Q2 2018	$26.3MM$23.5MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.5MM$1.7MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$275.00K$534.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Farmers and Merchants Bank of St. Clair; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APY	MIN	MAX	ACCOUNT NAME
2.02%	$100	-	Health Savings Account Qualified
0.51%^*	$25^*	$5k	Lazy River Kids Club Savings
OTHER TIERS: 0.15% → $5k+
0.15%	$100	-	Statement Savings
0.15%	-	$5k	Health Savings Account

Farmers and Merchants Bank of St. Clair Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
4.07%^*	-	$15k	Your 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

APY	MIN	MAX	ACCOUNT NAME
2.43%	$500	-	14 Month CD Special
2.32%	$500	-	10 Month CD Special
2.21%	$500	-	6 Month CD Special
2.01%	$500	-	5 Year Bump Up CD
2.01%	$500	-	5 Year CD
1.75%	$500	-	4 Year CD
1.70%	$500	-	36 Month CD
1.68%	$5k	-	33 Month CD
1.65%	$500	-	24 Month CD
1.51%	$5k	-	19 Month CD
1.25%	$500	-	12 Month CD
1.16%	$500	-	30 Month CD
1.00%	$500	-	18 Month CD
0.49%	$500	-	8 Month Add On CD
0.35%	$1k	-	91 Day CD

Farmers and Merchants Bank of St. Clair IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.01%	$500	-	60 Month Fixed Rate IRA
1.70%	$500	-	36 Month Fixed Rate IRA
1.65%	$500	-	24 Month Fixed Rate IRA
0.90%	$500	-	18 Month Variable Rate IRA

Locations

Farmers and Merchants Bank of St. Clair Locations
High Ridge Branch	1010 Crossroads Place	High Ridge, MO 63049
Lonedell Branch	3732 Hwy 30, Suite B	Lonedell, MO 63060
Farmers and Merchants Bank Of St. Clair	530 South Main Street	Saint Clair, MO 63077
Eureka Branch	619 Stockell Drive	Eureka, MO 63025
Plaza Facility	905 St. Clair Plaza Drive	St. Clair, MO 63077

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.