Is Farmers&Merchants Bk St Clai Safe?
Farmers&Merchants Bk St Clai has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (64/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.68% | 100/100 |
| Nonperforming Loan Ratio | 0.01% | 100/100 |
| Liquidity Ratio | 28.40% | 94/100 |
| Return on Assets | 1.10% | 64/100 |
| Total Assets | $0.3B | |
How does Farmers&Merchants Bk St Clai compare?
With a Bank Health Score of 95/100, Farmers&Merchants Bk St Clai sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Missouri, where 193 FDIC-insured banks are headquartered, Farmers&Merchants Bk St Clai ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 16.68% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.01% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Farmers&Merchants Bk St Clai's Bank Health Score improved by 2.0 points to 95/100. Tier 1 capital weakened by 0.22 percentage points to 16.68%.
Farmers&Merchants Bk St Clai has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (64/100).