Bank · FDIC insured
FMB
A $343.5M bank headquartered in St. Clair, MO, with 4 branches in Missouri. Best rates: CDs 4.60% and savings 0.40% APY.
FMB Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#45 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FMB
Farmers and Merchants Bank operates in Missouri.
- Headquarters
- 959 N Commercial Ave, St. Clair, MO 63077
- FDIC certificate
- 14056 ↗
Branches
4 branches in Missouri
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Missouri
4 branches
- Farmers and Merchants Bank of St. ClairMain office959 N Commercial Ave, St. Clair, MO 63077Directions
- Eureka Branch619 Stockell Dr, Eureka, MO 63025Directions
- High Ridge Branch1010 Crossroads Pl, High Ridge, MO 63049Directions
- Lonedell Branch3732 Highway 30, Lonedell, MO 63060Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.76% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.19% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $78 | $81 | — |
- CapitalLeverage ratio12.76%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.19%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$78Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of FMB are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.