🏦Bank Scorer

FARMERS AND MERCHANTS BANK OF ST. CLAIR

SAINT CLAIR, MO · Supervised by FDIC

Est. 1913FDIC #14,056RSSD: FDIC-14056
Part ofSAINT CLAIR BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

959 N Commercial Ave, SAINT CLAIR, MO

County

Franklin County

Established

May 2, 1913

Total Assets

$343M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$343M

Total Deposits

$302M

Net Loans

$228M

Net Income

$1M

ROA

1.18%

ROE

10.34%

Risk-Based Capital

19.20%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate14.18%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$310M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413467.91%14.18%
202313576.3%7.41%
202219081.05%6.32%
202125084.4%6.40%
202038575.58%10.91%
201922370.4%14.80%
201819571.79%9.74%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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