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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

$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

4.94%Q2 ’245.02%Q2 ’255.09%Q2 ’26+6%+9%

Non-interest income vs. expense

2.59%Q2 ’242.61%Q2 ’252.81%Q2 ’26-12%+22%

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 1.20%, down 15 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY), with net charge-offs at 0.35%.
  • 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 (quarter, annualized)

1.20%-15 bps YoY

Net Interest Margin (quarter, annualized)

3.63%+31 bps YoY

Efficiency Ratio (quarter, annualized)

63.97%+264 bps YoY

Tier 1 Leverage Ratio

12.76%+107 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.22%1.15%1.18%1.20%-15 bps
Return on Equity13.38%11.41%10.17%10.34%10.33%-304 bps
Net Interest Margin3.32%3.67%3.70%3.70%3.63%+31 bps
Efficiency Ratio61.34%62.46%61.40%64.77%63.97%+264 bps
Non-Interest Burden1.68%2.05%1.98%2.15%2.05%+37 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 / Loans0.04%0.00%0.13%-0.04%0.35%+31 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