Farmers and Merchants Bank of St. Clair
Farmers and Merchants Bank of St. Clair quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $343M | $302M | $228M | $39M | $1M | 1.18% | 10.34% | 4.10% | 0.00% |
| Q4 2025 | $336M | $286M | $228M | $39M | $966K | 1.13% | 10.74% | 3.79% | 0.03% |
| Q3 2025 | $339M | $299M | $223M | $37M | $1M | 1.13% | 10.95% | 3.70% | 0.03% |
| Q2 2025 | $348M | $310M | $224M | $36M | $1M | 1.08% | 10.74% | 3.52% | 0.08% |
| Q1 2025 | $362M | $318M | $218M | $35M | $698K | 0.79% | 8.03% | 3.32% | 0.03% |
| Q4 2024 | $342M | $296M | $220M | $34M | $849K | 0.92% | 9.36% | 3.47% | 0.10% |
| Q3 2024 | $341M | $298M | $225M | $35M | $803K | 0.89% | 9.15% | 3.44% | 0.00% |
| Q2 2024 | $338M | $297M | $218M | $33M | $763K | 0.87% | 9.05% | 3.40% | 0.01% |
| Q1 2024 | $342M | $302M | $216M | $32M | $707K | 0.84% | 8.79% | 3.32% | 0.21% |
| Q4 2023 | $335M | $295M | $219M | $32M | $850K | 0.86% | 9.83% | 3.28% | 0.20% |
| Q3 2023 | $337M | $304M | $220M | $28M | $674K | 0.81% | 9.47% | 3.21% | 0.00% |
| Q2 2023 | $347M | $313M | $220M | $30M | $675K | 0.82% | 9.50% | 3.17% | 0.01% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.