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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 111th largest bank in the state of Missouri. It is also the 2,674th largest bank in the nation. It was established in 1913 and as of December of 2020, it had grown to 66 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 Q4 2020

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Health Grade Components

Overall
FDIC Certificate #14056
Year Established1913
Employees66
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD6.92%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$253.8MM$206.1MM
LoansQ4 2020vs Q4 2019$169.9MM$144.1MM
DepositsQ4 2020vs Q4 2019$222.6MM$176.3MM
Equity CapitalQ4 2020vs Q4 2019$30.2MM$27.4MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.6MM$1.6MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$424.00K$438.00K
Real Estate OwnedQ4 2020vs Q4 2019$17.00K$90.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$100-Health Savings Account Qualified
0.51%*$25*$5kLazy River Kids Club Savings
OTHER TIERS: 0.15% → $5k+
0.10%$100-Statement Savings
0.10%-$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
0.20%*$100k*-Business MMDA
OTHER TIERS: 0.01% → $500 - $2.5k | 0.05% → $2.5k - $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k
0.20%*$100k*-MMDA Regular
OTHER TIERS: 0.01% → $500 - $2.5k | 0.05% → $2.5k - $25k | 0.10% → $25k - $50k | 0.15% → $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
0.80%$500-5 Year Bump Up CD
0.80%$500-5 Year CD
0.70%$500-4 Year CD
0.60%$500-3 Year CD
0.50%$500-2 Year CD
0.35%$500-1 Year CD
0.15%$500-6 Month CD

Farmers and Merchants Bank of St. Clair IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%$500-60 Month Fixed Rate IRA
0.60%$500-36 Month Fixed Rate IRA
0.50%$500-24 Month Fixed Rate IRA
0.35%$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. Clair959 N Commercial AveSaint Clair, MO 63077
Eureka Branch619 Stockell DriveEureka, MO 63025

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