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Farmers and Merchants Bank of St. Clair

$100M-$1B Specialty: Commercial MO FDIC cert 14056

Saint Clair, MO

4 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -2.7% year over year ($301.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.19%.
  • Efficiency ratio 64.37% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.01% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Farmers and Merchants Bank of St. Clair has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.07% above tier average
  • + Efficiency Ratio 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 33.8% in tier
  • - Deposit Outflow: Bottom 39.6% in tier
  • - ROA 0.13% below tier average
Get updates when Farmers and Merchants Bank of St. Clair releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $343.5M
-1.2% YoY +0.1% QoQ
-$43.1M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $231.9M
+3.8% YoY +1.6% QoQ
-$26.4M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $301.1M
-2.7% YoY -0.4% QoQ
-$25.6M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
55%
Return on Assets ? 1.19%
+10.6% YoY +0.7% QoQ
-0.13% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 4.06%
+15.1% YoY -1.1% QoQ
+0.07% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 64.37%
-1.9% YoY -0.6% QoQ
-0.11% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 77.01%
+6.7% YoY +1.9% QoQ
-0.94% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 20.55%
-0.7% YoY +0.0% QoQ
-1.48% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 18.30%
+3.6% YoY +1.9% QoQ
+2.39% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.37%
-8.6% YoY +109.7% QoQ
-0.20% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 20.6%
-0.1pp YoY
0.0pp QoQ
 -1.6pp 22.1% 20.9% 22.2% 48%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 9.9%
-1.0pp YoY
-0.4pp QoQ
 -1.7pp 11.6% 12.3% 12.5% 52%
CRE 48.9%
+1.7pp YoY
-0.2pp QoQ
 +9.4pp 39.5% 36.8% 41.4% 68%
1-4 Family 40.3%
+0.1pp YoY
+0.6pp QoQ
 +7.7pp 32.6% 31.9% 31.3% 71%
Consumer 1.8%
-0.1pp YoY
+0.1pp QoQ
 -2.3pp 4.1% 4.1% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 18.3%
+0.6pp YoY
+0.4pp QoQ
 -0.5pp 18.8% 18.5% 19.7% 71%
Leverage Ratio 12.8%
+1.1pp YoY
+0.1pp QoQ
 +0.6pp 12.2% 11.6% 12.6% 73%
Total Capital Ratio 19.5%
+0.6pp YoY
+0.3pp QoQ
 -0.4pp 19.9% 19.6% 20.8% 72%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 62
+6 (+10.7%) YoY
+7 (+12.7%) QoQ
 +3 58 162 482 65%
Assets per Employee ($) $5.5M
-10.7% YoY
-11.2% QoQ
 -$2.0M $7.5M $8.0M $8.8M 23%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 10.47x 20.23x n/a
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
+0.2pp QoQ
 0.0pp 0.1% 0.3% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 10.3%
-0.4pp YoY
0.0pp QoQ
 -1.9pp 12.2% 14.3% 11.6% 39%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 44%
Net Income ($, YTD) $2.0M
+7.5% YoY
— QoQ
 -$524K $2.6M $11.3M $40.4M 53%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#180 of 529 • Bottom 33.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.19%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Deposit Outflow

decline
#213 of 535 • Bottom 39.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
476
Tier 1 Capital Ratio
capital
Value: 18.30%
Peer Median: 15.91%
#476 of 2643 Top 18.0% in $100M-$1B
476
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#476 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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