SAINT CLAIR BANCSHARES INC is the bank holding company. FARMERS AND MERCHANTS BANK OF ST. CLAIR is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

SAINT CLAIR BANCSHARES INC

Legal name: SAINT CLAIR BANCSHARES, INC.

1 active bank · $343M combined assets

RSSD ID: 2591539 (FFIEC NIC)

Combined Assets

$343M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFARMERS AND MERCHANTS BANK OF ST. CLAIRSAINT CLAIR, MOSatisfactory$343MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$343M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$302M

Net Income

$1M

ROA (avg)

1.18%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

134

Origination Rate

67.91%

Denial Rate

14.18%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FARMERS AND MERCHANTS BANK OF ST. CLAIR	SAINT CLAIR, MO	FDIC	$343M	100.0%	Satisfactory	Oct 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.