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 119^th largest bank in the state of Missouri. It is also the 2,983^rd largest bank in the nation. It was established in 1913 and as of December of 2018, it had grown to 68 employees at 5 locations. Farmers and Merchants Bank of St. Clair's CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	14056
Year Established	1913
Employees	68
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.1%
Return on Equity - YTD	9.03%
Annual Interest Income	$8.9MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$191.7MM$189.9MM
Loans	Q4 2018vs Q4 2017	$141.8MM$139.9MM
Deposits	Q4 2018vs Q4 2017	$163.2MM$163.8MM
Equity Capital	Q4 2018vs Q4 2017	$24.8MM$22.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.4MM$1.7MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$159.00K$641.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$407.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

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
3.02%	$5k	-	33 Month CD Special
2.81%	$5k	-	19 Month CD Special
2.60%	$500	-	5 Year CD Special
2.10%	$500	-	12 Month CD Special
2.00%	$500	-	5 Year Bump Up CD
1.75%	$500	-	4 Year CD
1.70%	$500	-	36 Month CD
1.65%	$500	-	24 Month CD
1.16%	$500	-	30 Month CD
1.00%	$500	-	18 Month CD
0.67%	$5k	-	14 Month CD
0.50%	$500	-	10 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

APY	MIN	MAX	ACCOUNT NAME
2.60%	$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

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