FDIC Cert #14056 · Saint Clair, Missouri · Est. 1913

Farmers and Merchants Bank of St. Clair - FDIC Bank Health Profile

A community-scale look at Farmers and Merchants Bank of St. Clair's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$336M
Total assets
A
Health grade · Excellent
1.13%
Return on assets
17.8%
Tier 1 capital

Data updated July 2026

The verdict

Farmers and Merchants Bank of St. Clair earns a PlainBankData health grade of A (88/100), with well-capitalized at 17.83% Tier 1, profitable at 1.13% ROA, 64% efficiency ratio.

#2,330
largest of 4,313 FDIC banks by assets
46th
percentile by asset size, nationally
17.83%
Tier 1 ratio - above the 10% well-capitalized line
52nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 14056 · MO A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #996/4307
  • PHOTO-FINISH Iowa State Bank · IA
  • TIER1-WELL 17.8% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-PAR 1.13% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Iowa State Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Farmers and Merchants Bank of St. Cla…

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank 1st · IA · near88/100Farmers and Merchant… · MO ·…88/100First Bank & Trust C… · OK ·…88/100Iowa State Bank · IA · near88/100Walters Bank and Tru… · OK ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers and Merchants Bank of St. Cla… · July 2026

Call Report read for Farmers and Merchants Bank of St. Cla… in a high-failure state

Farmers and Merchants Bank of St. Clair (FDIC Cert #14056) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #996 of 4,307. Tier 1 capital prints at 17.83%, clearing the 10% well-capitalized line. The Texas Ratio is 0.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.13%. Balance-sheet scale is $336M, 2,330th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Iowa State Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Farmers and Merchants Bank of St. Cla…

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Farmers and Merchants Bank of St. Clair sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Farmers and Merchants Bank of St. Clair's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Farmers and Merchants Bank of St. Clair's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Farmers and Merchants Bank of St. Clair's composite health score
Tier 1 Capital Ratio (17.83%) 40/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (0.16%) 20/20
Efficiency Ratio (63.72%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$336M

Total balance-sheet footings

Total Deposits

$286M

Customer-funded liabilities

Net Loans

$228M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.43% 17.83% 19.23%
Basel III capital ratios - Farmers and Merchants Bank of St. Clair

Where Farmers and Merchants Bank of St. Clair ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers and Merchants Bank of St. Clair's score of 88/100 falls in the highlighted band.

Farmers and Merchants Bank of St. Clair: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 23% higher than 77% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers and Merchants Bank of St. Cla… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Farmers and Merchants Bank of St. Clair's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers and Merchants Bank of St. Clair's $336M falls in the highlighted band.

Capital & credit buffers at Farmers and Merchants Bank of St. Cla…

Tier 1 capital ratio
Well-capitalized 10%

17.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.83%
Texas Ratio
0.16%
Equity Capital
$39M

What these ratios mean →

Earnings posture at Farmers and Merchants Bank of St. Cla…

Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
10.74%
Efficiency Ratio
63.72%

What these mean →

Income & expense at Farmers and Merchants Bank of St. Cla…

$18M
Interest Income
$3M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers and Merchants Bank of St. Clair reports a Texas Ratio of 0.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Farmers and Merchants Bank of St. Clair on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($336M here), outside Missouri so the neighborhood is not state containment.

Commercial Savings Bank $336M · IA The National Iron Bank $335M · CT Kerndt Brothers Savings Bank $335M · IA Premier Bank $337M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers and Merchants Bank of St. Clair (FDIC Cert #14056) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Farmers and Merchants Bank of St. Clair Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%