Call reports 2026
FARMERS AND MERCHANTS BANK OF ST. CLAIR — 2026
What FARMERS AND MERCHANTS BANK OF ST. CLAIR reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 343,040,000 | 343,474,000 |
| Total loans | 231,305,000 | 234,765,000 |
| Allowance for loan losses | 2,973,000 | 2,863,000 |
| Securities available for sale | 75,591,000 | 76,771,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 302,212,000 | 301,134,000 |
| Interest-bearing deposits | 240,108,000 | 239,241,000 |
| Noninterest-bearing deposits | 62,104,000 | 61,893,000 |
| Equity capital | 39,085,000 | 40,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 4,485,000 | 8,929,000 |
| Interest expense | 1,271,000 | 2,546,000 |
| Net interest income | 3,214,000 | 6,383,000 |
| Noninterest income | 604,000 | 1,268,000 |
| Noninterest expense | 2,473,000 | 4,925,000 |
| Provision for loan losses | 64,000 | 159,000 |
| Pretax income | 1,274,000 | 2,573,000 |
| Income tax | 270,000 | 542,000 |
| Net income | 1,004,000 | 2,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 43,853,000 | 44,530,000 |
| Total capital | 46,906,000 | 47,516,000 |
| Risk-weighted assets | 244,239,000 | 243,364,000 |