Farmers and Merchants Bank of St. Clair

530 South Main Street
Saint Clair, MO 63077

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14056
Date Established 1913
Assets $0.19 billion
Loans $0.14 billion
Deposits $0.16 billion
Capital $0.02 billion

Farmers and Merchants Bank of St. Clair is an FDIC insured institution located in Saint Clair, MO. It was founded in 1913 and has approximately $0.19 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Farmers and Merchants Bank of St. Clair's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Farmers and Merchants Bank of St. Clair’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Missouri, Farmers and Merchants Bank of St. Clair has a significantly higher percent of Multifamily Mortgages, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.34
Multifamily
Mortgages
15.03
Credit Card Loans 0.00
Consumer Auto Loans 1.19
Small Business Loans 21.22
Construction and Development Loans 6.92
Commercial Real Estate 27.06
Commercial and Industrial Loans 11.74
Farm Loans 0.14

Deposit Rates - April 22, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.30% $1 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.35% $1,000 - Learn MoreShow Less
6 Mo CD
0.45% $500 - Learn MoreShow Less
Special: 12 Mo CD
2.10% $500 - Learn MoreShow Less
12 Mo CD
2.10% $500 - Learn MoreShow Less
18 Mo CD
1.00% $500 - Learn MoreShow Less
Special: 19 Mo CD
2.81% $5,000 - Learn MoreShow Less
24 Mo CD
1.65% $500 - Learn MoreShow Less
30 Mo CD
1.16% $500 - Learn MoreShow Less
Special: 33 Mo CD
3.02% $5,000 - Learn MoreShow Less
36 Mo CD
1.70% $500 - Learn MoreShow Less
48 Mo CD
1.75% $500 - Learn MoreShow Less
60 Mo CD
2.60% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.65% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.90% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $2,499 Learn MoreShow Less
Int Ckg
0.10% $2,500 - Learn MoreShow Less

Loan Rates - April 22, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Farmers and Merchants Bank of St. Clair

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.034% 4.000% 0.38 $1,030 $1,194 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info

Note to Farmers and Merchants Bank of St. Clair
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Branches

Farmers and Merchants Bank of St. Clair branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Farmers and Merchants Bank of St. Clair Locations


Financial Details

Farmers and Merchants Bank of St. Clair Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Farmers and Merchants Bank of St. Clair. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Farmers and Merchants Bank of St. Clair U.S. Bank Average
0.84% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Farmers and Merchants Bank of St. Clair had $221,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,805,000 in equity and $1,449,000 in loans loss reserves. That gives it a Texas Ratio of 0.84%.

Return on Equity
Farmers and Merchants Bank of St. Clair U.S. Bank Average
9.03% 8.80%

Farmers and Merchants Bank of St. Clair has a Return on Equity of 9.03% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Farmers and Merchants Bank of St. Clair U.S. Bank Average
12.94% 12.29%

Farmers and Merchants Bank of St. Clair has a Capitalization of 12.94% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Farmers and Merchants Bank of St. Clair Balance Sheet Analysis

As of December 31, 2018, Farmers and Merchants Bank of St. Clair had assets of $191,723,000, loans of $141,771,000, and deposits of $163,195,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.14 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.17 billion
LIABILITIES
Total deposits $0.16 billion
      Interest-bearing deposits $0.13 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 88.87%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.17 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Farmers And Merchants Bank Of St. Clair

Branches and Savings

Is Farmers And Merchants Bank Of St. Clair FDIC insured?

Yes. It is covered under FDIC Certificate #14056.

Why does Farmers And Merchants Bank Of St. Clair pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Farmers And Merchants Bank Of St. Clair CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Farmers And Merchants Bank Of St. Clair a commercial bank?

Yes

Where are Farmers And Merchants Bank Of St. Clair locations?

See branch locations nearby.

Is Farmers And Merchants Bank Of St. Clair open on Saturdays?

Is Farmers And Merchants Bank Of St. Clair open on Sundays?

What time does Farmers And Merchants Bank Of St. Clair open?

What time does Farmers And Merchants Bank Of St. Clair close?

Are Farmers And Merchants Bank Of St. Clair ATMs Open 24/7?

Do Farmers And Merchants Bank Of St. Clair ATMs accept cash deposits?

Can Farmers And Merchants Bank Of St. Clair customers use other ATMs?

Do Farmers And Merchants Bank Of St. Clair branches have notaries?

Will Farmers And Merchants Bank Of St. Clair notarize my document?

What address for Farmers And Merchants Bank Of St. Clair should I put for incoming ACH transfers?

Will the Farmers And Merchants Bank Of St. Clair branch print checks?

Do Farmers And Merchants Bank Of St. Clair checks expire?

Does Farmers And Merchants Bank Of St. Clair require US citizenship to open account?

Can Farmers And Merchants Bank Of St. Clair close my account?

Does Farmers And Merchants Bank Of St. Clair Report to credit bureaus?

Does Farmers And Merchants Bank Of St. Clair Use Equifax?

What is Farmers And Merchants Bank Of St. Clair's ACH Routing Number?

What is Farmers And Merchants Bank Of St. Clair's SWIFT code?

Products

Does Farmers And Merchants Bank Of St. Clair offer mortgages?

Compare mortgage rates here.

Does Farmers And Merchants Bank Of St. Clair offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Farmers And Merchants Bank Of St. Clair offer personal loans?

Compare personal loan rates here.

Does Farmers And Merchants Bank Of St. Clair offer student loans?

Will Farmers And Merchants Bank Of St. Clair cash a check?

Will Farmers And Merchants Bank Of St. Clair redeem a savings bond?

Does Farmers And Merchants Bank Of St. Clair cash savings bonds?

Will Farmers And Merchants Bank Of St. Clair cash money orders?

Can Farmers And Merchants Bank Of St. Clair issue a money order?

Does Farmers And Merchants Bank Of St. Clair do currency exchange?

Background on The Bank

Who owns Farmers And Merchants Bank Of St. Clair?

How long has Farmers And Merchants Bank Of St. Clair been around?

Can Farmers And Merchants Bank Of St. Clair transfer to other banks?

Does Farmers And Merchants Bank Of St. Clair have quick pay?

Does Farmers And Merchants Bank Of St. Clair accept rolled coins?

Will Farmers And Merchants Bank Of St. Clair accept loose change?

Where is Farmers And Merchants Bank Of St. Clair headquarters?

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