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BDI
FM

Farmers and Merchants Bank of St. Clair

Saint Clair, MissouriFDIC Cert #14056

STATEEstablished 19134 branches

Holding company: SAINT CLAIR BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$282M$250M
Q3 2021$287M$254M
Q4 2021$292M$258M
Q1 2022$298M$267M
Q2 2022$310M$272M
Q3 2022$321M$294M
Q4 2022$332M$303M
Q1 2023$338M$305M
Q2 2023$347M$313M
Q3 2023$337M$304M
Q4 2023$335M$295M
Q1 2024$342M$302M
Q2 2024$338M$297M
Q3 2024$341M$298M
Q4 2024$342M$296M
Q1 2025$362M$318M
Q2 2025$348M$310M
Q3 2025$339M$299M
Q4 2025$336M$286M
Q1 2026$343M$302M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$343M
−5.1%y/y
Percentile by value13th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$302M
−4.9%y/y
Percentile by value15th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$231M
+4.9%y/y
Percentile by value19th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$228M
+4.9%y/y
Percentile by value19th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$75.6M
+4.7%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$16M
−64.0%y/y
Percentile by value24th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$304M
−6.9%y/y
Percentile by value12th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$39.1M
+11.0%y/y
Peer standing27th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$3.82M
+17.2%y/y
Peer standing22nd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$3.21M
+19.5%y/y
Peer standing19th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$604K
+6.2%y/y
Peer standing54th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
$71K
+7.6%y/y
Percentile by value47th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$1.27M
+43.3%y/y
Peer standing27th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$1M
+43.8%y/y
Peer standing22nd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC