Farmers and Merchants Bank of St. Clair, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Farmers and Merchants Bank is an independent community bank committed to its customers and their financial needs. The bank is dedicated to providing its customers with the most up to date and proven technology and the very best customer service. Farmers and Merchants Bank of St. Clair was established in May 1913 with a capital base of $12,500.00. During that first year, the Bank had funded a total of 46 real estate loans. Five years later, in September of 1918, the Bank's assets had reached $145,297.93, and today the assets exceed $165 million.

Farmers & Merchants Bank is a locally owned financial institution that is chartered by the State of Missouri and is also a member of the Federal Deposit Insurance Corporation.

St. Clair Main Bank
530 S. Main St.
St. Clair, MO 63077
(636) 629-2225

Lonedell Bank
3732 Hwy 30 (Wagners Store)
Lonedell, MO 63060
(636) 629-2002

St. Clair Plaza Bank
905 Plaza Drive
St. Clair, MO 63077
(636) 629-1903

High Ridge Bank
1010 Crossroads Place
High Ridge, MO 63049
(636) 677-7500

Eureka Bank
619 Stockell Dr.
Eureka, MO 63025
(636) 938-7878