Farmers&Merchants Bk St Clai (FDIC #14056): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bk St Clai (FDIC Cert #14056): bank stress 60/100, elevated, STABLE over 7 days; parent SAINT CLAIR BANCSHARES INC.
Farmers&Merchants Bk St Clai (#14056) lends in 3 counties across 1 state; Farmers&Merchants Bk St Clai (#14056) reaches 86 ZIP codes: Missouri 3 counties, 86 ZIPs.
Farmers&Merchants Bk St Clai (#14056) largest markets: St. Louis County, MO (47 branches, 47 ZIPs) (#14056), Jefferson County, MO (25 branches, 25 ZIPs) (#14056), Franklin County, MO (46 branches, 23 ZIPs) (#14056).
Farmers&Merchants Bk St Clai (#14056) reports $343.5 million in total assets; Farmers&Merchants Bk St Clai (#14056) equity $40.4 million (11.8% of Farmers&Merchants Bk St Clai (#14056) assets); Farmers&Merchants Bk St Clai (#14056) domestic deposits $301.1 million; Farmers&Merchants Bk St Clai (#14056) net income $2.0 million; Farmers&Merchants Bk St Clai (#14056) return on assets 1.19%; Farmers&Merchants Bk St Clai (#14056) return on equity 10.32%; Farmers&Merchants Bk St Clai (#14056) net interest income $6.4 million; Farmers&Merchants Bk St Clai (#14056) call report June 30, 2026.
Farmers&Merchants Bk St Clai (#14056) noncurrent real-estate loans 0.19% of its book; Farmers&Merchants Bk St Clai (#14056) residential 0.77%; Farmers&Merchants Bk St Clai (#14056) net charge-offs on real estate 0.00%.
Farmers&Merchants Bk St Clai (#14056) net interest margin 4.06% against an eight-quarter Farmers&Merchants Bk St Clai (#14056) average of 3.67% (Farmers&Merchants Bk St Clai (#14056) compression -0.38 points); Farmers&Merchants Bk St Clai (#14056) real-estate loans 18.8% of equity; Farmers&Merchants Bk St Clai (#14056) rate-exposure score 40/100, Farmers&Merchants Bk St Clai (#14056) fixed-rate trap 40/100; Farmers&Merchants Bk St Clai (#14056) risk type credit driven; Farmers&Merchants Bk St Clai (#14056) rate regime rates elevated, Farmers&Merchants Bk St Clai (#14056) snapshot October 19, 2026.
Farmers&Merchants Bk St Clai (#14056) stress score held at 60.4 across 116 daily snapshots, June 22, 2026 to October 19, 2026.
Farmers&Merchants Bk St Clai (#14056) alerts: 3 counties; top Farmers&Merchants Bk St Clai (#14056) alert scores: Eureka County, MO 20 (low); High Ridge County, MO 20 (low); Saint Clair County, MO 20 (low).