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Farmers and Merchants Bank of St. Clair

Saint Clair, MO · Cert 14056 · Saint Clair Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers and Merchants Bank of St. Clair

Saint Clair, MO · Cert 14056 · Saint Clair Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$343.5MAssets
$234.8MLoans
$301.1MDeposits
$40.4MEquity
Loan mix
88%RE $202.9M10%C&I $23.5M2%Consumer $4.0MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $239.2M21%Noninterest $61.9MQ2 2025Q2 2026

NIM

4.83%Q2 ’244.91%Q2 ’255.12%Q2 ’26+3%+16%

Non-interest income vs. expense

2.54%Q2 ’242.58%Q2 ’252.82%Q2 ’26-4%+16%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #56 of 111 inst. · $0.3B of $141.7B

4.4% Franklin
2.0% Jefferson
0.1% St. Louis

Executive Summary

  • Earnings: ROA of 1.19%, up 11 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 12.76%, up 107 bps from a year ago.
  • Funding: loans stand at 77.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+50 bps YoY

Efficiency Ratio (YTD, annualized)

64.37%-126 bps YoY

Tier 1 Leverage Ratio

12.76%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.13%1.13%1.18%1.19%+11 bps
Return on Equity10.74%10.95%10.74%10.34%10.32%-42 bps
Net Interest Margin3.15%3.40%3.52%3.70%3.66%+50 bps
Efficiency Ratio65.63%64.53%63.72%64.77%64.37%-126 bps
Non-Interest Burden1.80%1.93%1.97%2.15%2.10%+29 bps
Growth
Asset Growth (YoY)2.74%-0.71%-1.82%-5.12%-1.18%-393 bps
Loan Growth (YoY)2.73%-0.72%3.67%4.85%3.71%+98 bps
Deposit Growth (YoY)4.10%0.35%-3.55%-4.95%-2.74%-684 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.03%0.03%0.00%0.00%-8 bps
Net Charge-Offs / Loans0.06%0.04%0.06%-0.04%0.16%+10 bps
Allowance / Loans1.27%1.29%1.25%1.29%1.22%-5 bps
Allowance Coverage of NPLs16.2x40.5x43.1xn/an/an/a
Capital
Tier 1 Leverage Ratio11.68%12.12%12.52%12.61%12.76%+107 bps
Total Risk-Based Capital18.91%19.08%19.08%19.20%19.52%+62 bps
Equity / Assets10.36%11.04%11.50%11.39%11.77%+141 bps
Liquidity & Funding
Loans / Deposits73.11%75.61%80.73%76.54%77.96%+485 bps
Liquid Assets / Assets6.96%3.65%1.72%3.90%2.53%-443 bps
CRE / Total Capitaln/a250%261%256%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers and Merchants Bank of St. Clair

Saint Clair, MO · Cert 14056 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Saint Clair Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$343.5MAssets
$234.8MLoans
$301.1MDeposits
$40.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 2 of 38).
  • Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets in the St. Louis, MO-IL area (rank 30 of 38).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.18%

Rank 12 of 40

Net Interest Margin

3.66%

Rank 9 of 40

Efficiency Ratio

64.37%

Rank 21 of 40

Equity / Assets

11.77%

Rank 12 of 40

Non-interest income vs. expense

$2.5M$9.8MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 50% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 64.37%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%0.64%1.04%1.26%Beats 70%12 / 40
Return on Equity10.05%6.25%9.97%13.41%Beats 53%19 / 40
Net Interest Margin3.66%3.09%3.22%3.62%Beats 78%9 / 40
Efficiency Ratio64.37%57.08%64.37%75.86%Beats 50%21 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.14%0.62%1.92%Beats 100%2 / 38
Net Charge-Offs / Loans0.10%0.00%0.01%0.09%Beats 24%30 / 38
Capital
Tier 1 Capital Ratio18.30%10.29%12.88%15.77%Beats 83%7 / 40
Total Risk-Based Capital Ratio19.52%10.64%13.30%17.01%Beats 85%6 / 40
Equity / Assets11.77%8.59%9.46%12.46%Beats 70%12 / 40
Liquidity & Funding
Loans / Deposits77.96%66.12%79.48%94.60%48th pctl21 / 40
Loans / Assets68.35%54.69%68.52%77.46%48th pctl21 / 40
Brokered Deposits / Depositsn/aNot reported for this institution