Farmers and Merchants Bank of St. Clair

Headquarters: Saint Clair, Missouri
Charter: Bank
Assets: $343.5M
Fed district: St. Louis
Regulator: FDIC
Holding company: Saint Clair Bancshares Inc.

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 17, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 17, 2026

How these figures are measured

Call-report figures are for Farmers and Merchants Bank of St. Clair at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Farmers and Merchants Bank of St. Clair's published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Farmers and Merchants Bank of St. Clair (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $171K in Q2 2026, 5.6% above the same quarter a year earlier ($162K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Farmers and Merchants Bank of St. Clair: $35
Farmers and Merchants Bank of St. Clair: $35
U.S. median: no median
NSF / Returned Item
Farmers and Merchants Bank of St. Clair: $35
Farmers and Merchants Bank of St. Clair: $35
U.S. median: no median
Non-Network ATM
Compared at $3.50, the middle of its prices
Farmers and Merchants Bank of St. Clair: $3 to $4
Farmers and Merchants Bank of St. Clair: $3 to $4
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 1.7% from Q3 2025 to Q2 2026, to $171K.

Service-charge income, Q2 2026

$171K

$174KQ3 2025

$177KQ4 2025

$158KQ1 2026

$171KQ2 2026

Against the median

Farmers and Merchants Bank of St. ClairMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Farmers and Merchants Bank of St. Clair · $343M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$333M to $355M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Farmers and Merchants Bank of St. Clair(this institution)	Saint Clair, MO	$343M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Alamosa State Bank	Alamosa, CO	$340M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Alma	Alma, WI	$340M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bath State Bank	Bath, IN	$338M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Charles River Bank	Medway, MA	$336M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens First Bank	Viroqua, WI	$344M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Albion	Albion, IL	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank of Raymore	Raymore, MO	$347M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cowboy Bank	Kremlin, OK	$350M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cumberland Federal Bank, FSB	Cumberland, WI	$342M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Eastern Savings Bank, FSB	Hunt Valley, MD	$336M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farmers State Bank of Alto Pass, Ill.	Alto Pass, IL	$342M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of Hereford	Hereford, TX	$345M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Frontier Bank	Sioux Falls, SD	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Glenwood State Bank	Glenwood, IA	$353M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Southern Bank	Meridian, MS	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Harvest Bank	Kimball, MN	$355M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Iowa State Bank and Trust Company of Fairfield, Iowa	Fairfield, IA	$352M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kaw Valley Bank	Topeka, KS	$340M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
O'Bannon Banking Company	Buffalo, MO	$333M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Citizens Bank Company	Beverly, OH	$335M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The First Security Bank	Beaver, OK	$335M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The National Bank of Andrews	Andrews, TX	$341M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Traditions First Bank	Erin, TN	$337M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ultima Bank Minnesota	Winger, MN	$334M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Waumandee State Bank	Waumandee, WI	$345M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Farmers and Merchants Bank of St. Clair does not publish a monthly maintenance fee in the index.

The peer median is $8 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Farmers and Merchants Bank of St. Clair does not publish a monthly maintenance fee, so it is not on this chart.

Farmers and Merchants Ban…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Farmers and Merchants Bank of St. Clair (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $171K
vs prior quarter: +$13K+8.2%; from Q1 2026
vs a year earlier: +$9K+5.6%; from Q2 2025
vs start of range: −$18K−9.5%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Farmers and Merchants Bank of St. Clair (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$171K	+$13K	+8.2%
Q1 2026	$158K	−$19K	−10.7%
Q4 2025	$177K	+$3K	+1.7%
Q3 2025	$174K	+$12K	+7.4%
Q2 2025	$162K	−$5K	−3.0%
Q1 2025	$167K	−$19K	−10.2%
Q4 2024	$186K	−$3K	−1.6%
Q3 2024	$189K	+$26K	+16.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Farmers and Merchants Bank of St. Clair’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee (average daily balance for the month falls below $2500)$10
per month
Early Account Closing Fee$20
Dormant Charge$10
per month
Reconciliation Fees$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$4
per month

Overdraft & NSF

NSF Paid Item Fee$35
per item
NSF Returned Item Fee$35
per item

ATM & Card

ATM / Debit Card Services: ATM Foreign Withdrawal$3
per item
ATM Fee$4
Replacement ATM/Debit Card$10

Wire Transfers

Domestic outgoing wire$60
Domestic incoming wire$25

Check Services

Cashier's Checks$5
per item
Stop Payment Fee$35
Collection Items Sent$25

Cash & Deposit

Coin Machine15%
Returned Deposit Item Fee$15

Account Services

Notary Fee$2
Forced Entry to Safe Deposit Box Fee$225
Not compared: Box drilling or key fee
per item
Safe Deposit Box Late Payment Fee$10
Not compared: Box drilling or key fee
Garnishment Fee$75
Levy Fee$75
Subpoena/Production of Documents$30
Not compared: Charged per hour; comparison unavailable
per hour
Deposit Verification Fee$5

Other Fees

Non-customer Fax Charge$10

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee (average daily balance for the month falls below $2500)	$10	per month	None
Early Account Closing Fee	$20	Not stated	None
Dormant Charge	$10	per month	None
Reconciliation Fees	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$4	per month	None
Overdraft & NSF
NSF Paid Item Fee	$35	per item	None
NSF Returned Item Fee	$35	per item	None
ATM & Card
ATM / Debit Card Services: ATM Foreign Withdrawal	$3	per item	None
ATM Fee	$4	Not stated	None
Replacement ATM/Debit Card	$10	Not stated	None
Wire Transfers
Domestic outgoing wire	$60	Not stated	None
Domestic incoming wire	$25	Not stated	None
Check Services
Cashier's Checks	$5	per item	None
Stop Payment Fee	$35	Not stated	None
Collection Items Sent	$25	Not stated	None
Cash & Deposit
Coin Machine	15%	Not stated	None
Returned Deposit Item Fee	$15	Not stated	None
Account Services
Notary Fee	$2	Not stated	None
Forced Entry to Safe Deposit Box Fee	$225Not compared: Box drilling or key fee	per item	None
Safe Deposit Box Late Payment Fee	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$75	Not stated	None
Levy Fee	$75	Not stated	None
Subpoena/Production of Documents	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Deposit Verification Fee	$5	Not stated	None
Other Fees
Non-customer Fax Charge	$10	Not stated	None

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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