Total Assets
$336M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$286M
Customer-funded liabilities
Net Loans
$228M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
10.74%
Efficiency Ratio
63.72%
What the numbers say about Farmers and Merchants Bank of St. Clair
Farmers and Merchants Bank of St. Clair is an FDIC-insured institution (Certificate #14056) headquartered in Saint Clair, Missouri, established in 1913. It holds $336M in total assets - 2,330th of 4,313 FDIC-insured banks, $286M in customer deposits, and $228M in net loans. Its capital position: a Tier 1 ratio of 17.83%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.16% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Farmers and Merchants Bank of St. Clair sits 95th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Missouri by total assets
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.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Farmers and Merchants Bank of St. Clair's health grade?▼
Farmers and Merchants Bank of St. Clair receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers and Merchants Bank of St. Clair?▼
Farmers and Merchants Bank of St. Clair holds $336M in total assets and $286M in deposits, ranking 2,330th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Clair, Missouri.
Is my money safe at Farmers and Merchants Bank of St. Clair?▼
Yes, deposits at Farmers and Merchants Bank of St. Clair (Certificate #14056) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers and Merchants Bank of St. Clair's Tier 1 Capital Ratio?▼
Farmers and Merchants Bank of St. Clair has a Tier 1 Capital Ratio of 17.83%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Farmers and Merchants Bank of St. Clair?▼
Farmers and Merchants Bank of St. Clair has a Texas Ratio of 0.16%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers and Merchants Bank of St. Clair?▼
Farmers and Merchants Bank of St. Clair has an Efficiency Ratio of 63.72%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers and Merchants Bank of St. Clair's profile as a depositor or analyst.
- Farmers and Merchants Bank of St. Clair's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers and Merchants Bank of St. Clair against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.