MO lenders / Community Bank
Farmers and Merchants Bank of St. Clair
Community Bank · Saint Clair, MO · Saint Clair Bancshares Inc
- Total assets
- $343.0M
- CRE loan book
- $112.2M
- QoQ CRE growth
- 0.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.34% as of Q1 2026 — TX bank median 4.87% (1.47pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.34% | 6.55% |
| Q4 2025 | 6.35% | 6.44% |
| Q3 2025 | 6.54% | 6.63% |
| Q2 2025 | 6.33% | 6.45% |
| Q1 2025 | 6.10% | 6.22% |
| Q4 2024 | 6.35% | 6.52% |
| Q3 2024 | 6.21% | 6.46% |
| Q2 2024 | 6.22% | 6.45% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $112.2M | $26.8M | $35.7M | 193% | $0 |
| Q4 2025 | $111.7M | $29.1M | $32.4M | 195% | $0 |
| Q3 2025 | $105.5M | $25.7M | $32.8M | 185% | $0 |
| Q2 2025 | $105.4M | $25.8M | $33.4M | 184% | $0 |
| Q1 2025 | $100.8M | $26.4M | $29.1M | 173% | $0 |
| Q4 2024 | $101.4M | $24.6M | $28.7M | 174% | $161,000 |
| Q3 2024 | $105.3M | $21.1M | $30.8M | 186% | $0 |
| Q2 2024 | $101.5M | $16.2M | $30.8M | 178% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- State BankCommunity Bank · Waterloo · $112.2M CRE book
- Collins State BankCommunity Bank · Collins · $113.4M CRE book
- Owen County State BankCommunity Bank · Spencer · $113.4M CRE book
- Town & Country BankCommunity Bank · Salem · $110.8M CRE book
- Union BankCommunity Bank · Mena · $110.6M CRE book
See all alternatives to Farmers and Merchants Bank of St. Clair →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.