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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