Farmers and Merchants Bank of St. Clair

Bank · Saint Clair, United States · overall 5.4 / 10

How this 5.4 is built

Average of 6 scored needs: 5.4. Regulation in United States: 87/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 3 scores backed by filings or its own pages.

Farmers and Merchants Bank of St. Clair is recorded in the global register as a bank in Saint Clair, United States. The register shows its licence as licensed. Total assets 0.34 bn USD at 2026-06-30. It reports 4 offices. Established 1913. Collected from open registers.

On its own website: “FMB is the bank that cares about you! Let us be your source for loans, mortgages, personal accounts, and all of your business banking needs!”

Legal name: Farmers and Merchants Bank of St. Clair
Licence confirmed: yes, on a regulator's own list
Established: 1913
LEI: 5493001IZBTDOCW8MX74
Website: www.fmb4banking.bank/

Scores, 0 to 10

8.0Financial strength & stability

· source

6.0United States

Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source

6.0Lowest fees

The bank's own page names the monthly account charge. Transfer and card prices were not read on that page, so this score speaks only for the monthly charge. It reads: “Paper Statement Fee $4.00 per month Fee is charged on accounts receiving paper statements unless otherwise noted” · source

5.0Best interest on business balances

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Trade, manufacturing & import-export

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

4.5Fast digital onboarding

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

4.0Cross-border payments, FX and multi-currency accounts

Its own business page names SWIFT, so payments can leave the country. The score stops at 4.0 because the page did not give the currencies the account holds or the margin on the exchange rate, and the rubric needs both to go higher. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.