BlastPoint's Banking Scorecard
Farmers and Merchants Bank of St. Clair
Saint Clair, MO
4 branches across MO
Farmers and Merchants Bank of St. Clair has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.17% above tier average
- + Efficiency Ratio 0.51% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$343.0M
-5.1% YoY
+2.1% QoQ
|
-$43.0M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$228.3M
+4.9% YoY
+0.3% QoQ
|
-$27.4M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$302.2M
-4.9% YoY
+5.9% QoQ
|
-$25.8M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
1.18%
+49.1% YoY
+4.7% QoQ
|
-0.09% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
4.10%
+23.4% YoY
+8.3% QoQ
|
+0.17% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
64.77%
-8.4% YoY
+1.7% QoQ
|
-0.51% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
75.55%
+10.3% YoY
-5.2% QoQ
|
-1.08% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
20.55%
+9.1% YoY
+3.0% QoQ
|
-1.47% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.95%
+2.5% YoY
+0.7% QoQ
|
+2.12% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.18%
+11.9% YoY
-77.4% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
81% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.