Total Assets
$343.5M
Total Deposits
$301.1M
Branches
4
Established
1913
Farmers and Merchants Bank of St. Clair is a bank headquartered in Saint Clair, Missouri, established in 1913. It holds $343.5M in total assets across 4 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Farmers and Merchants Bank of St. Clair earns a TFS Financial Health Grade of A- (87.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
87.1 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Farmers and Merchants Bank of St. Clair?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Farmers and Merchants Bank of St. ClairHQ | 959 N Commercial Ave | Saint Clair | MO | 11 |
| Farmers and Merchants Bank of St. Clair | 619 Stockell Dr | Eureka | MO | 11 |
| Farmers and Merchants Bank of St. Clair | 1010 Crossroads Pl | High Ridge | MO | 11 |
| Farmers and Merchants Bank of St. Clair | 3732 Highway 30 | Lonedell | MO | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
87.1
Tier 1 capital ratio
12.76%
Return on assets
1.19%
Non-performing loans
0.00%
Efficiency ratio
64.37%
Asset growth (YoY)
-1.18%
Suggested direct comparisons
Saint Louis, MO
$19.6B
Ozark, MO
$341.0M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.