Overview / Commentary
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 115th largest bank in the state of Missouri. It is also the 2,960th largest bank in the nation. It was established in 1913 and as of September of 2018, it had grown to 66 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

Health Grade Components

Overall
FDIC Certificate #14056
Year Established1913
Employees66
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD8.62%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$194.4MM$194.7MM
LoansQ3 2018vs Q3 2017$140.3MM$138.7MM
DepositsQ3 2018vs Q3 2017$168.4MM$168.5MM
Equity CapitalQ3 2018vs Q3 2017$23.9MM$22.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.8MM$1.8MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$453.00K$1.2MM
Real Estate OwnedQ3 2018vs Q3 2017$130.00K$438.00K
Rates
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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

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

Farmers and Merchants Bank of St. Clair Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%$500-5 Year CD Special
2.10%$500-12 Month CD Special
1.81%$500-5 Year Bump Up CD
1.75%$500-4 Year CD
1.70%$500-36 Month CD
1.65%$500-24 Month CD
1.19%$5k-33 Month CD
1.16%$500-30 Month CD
1.10%$5k-19 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 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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