Business Customer Testimonials
Every month we feature a local business to showcase what our community has to offer.
Please meet our January Featured Business of the Month
Kelly Ruby State Farm Agency, located in Eureka
Kelly Ruby State Farm Agency opened In August of 2014 in Eureka and offers insurance and financial services for both individuals and businesses. The agency covers all insurances including auto, home, life, health, as well as banking and investment products.
Kelly Ruby is the agent/operator and has been in the insurance business since 2009. Prior to that, she was an elementary school teacher. Although teaching to insurance is not a natural transition to some, she feels there is a need for all people to be educated in this industry and there was a lack of that emphasis where she felt she could fit a niche. Now, five years in, the reputation of the Kelly Ruby State Farm Agency stands as a business catering to education and understanding. Insurance is confusing and difficult to personalize, and Kelly’s agency is excited about getting a chance to help simplify it for all people. In addition to Kelly, Dave Ruby, Kelly’s husband (a commercial lender with American Bank of Missouri by day), is a great help with his extensive knowledge of business operations.
In the five years in business, Kelly Ruby State Farm Agency has doubled the size of its business, growing more and more with a local following. Per Kelly, “With the help of FMB, we have been able to purchase a beautiful building in downtown Eureka, making our business model even more conducive to this great community.” The Kelly Ruby State Farm Agency is in the top 15% of the entire nation of agents (of 19,000+/- total in the country) and in the top 1% of financial services. The agency has achieved the Ambassador Club ranking every year, since 2014.
Kelly is extremely involved in the Eureka community. Between her seat on the board for the Eureka Chamber of Commerce for several years to her five years and running, as an active member in the local non-profit group, The Wednesday Club of Eureka. Kelly’s agency also housed the foods and backpacks for the local Rockwood / Elks Backpack Program. You will find Kelly at most community events, supporting a cause or just lending a hand. Outside of Eureka, Kelly supports a local organization, The Down Syndrome Association of Great St. Louis by being the first employer to hire an adult self-advocate with Down Syndrome, from their employment initiative program. Megan, her self-advocate employee, has worked for Kelly for five years and counting!
If you are needing insurance or would like to have your current coverage reviewed, reach out to Kelly at the information below and she will provide you with a customized quote!
Kelly Ruby | Owner, The Ruby Agency
111 N Central Ave | Eureka, MO 63025
Bus 636.938.9448 | Fax 636.938.9211 | Cell 314.497.1570
email@example.com | www.kellyruby.net
Licensed: Missouri, Illinois
Previous Featured Businesses
R&R ACE in St. Clair
R&R began as a small variety store in St. Clair and opened the doors on South Main Street for the first time in 1932. Roy (W.R.) and Rita Parks had just moved to town from Texas to be near Rita’s family, and they had their hearts set on opening a five & dime store in the community. They began partnering with local businesses for services, and it was then that R&R first opened a checking account with Farmers & Merchants Bank. W.R. was the salesman out front and Rita ran the stockroom and wrote up re-orders for W.R. to pick up in St. Louis every week, ensuring the store was never out of basic, staple merchandise.
The modest 400 sq. ft. store was a success, and within 3 years the business relocated and more than doubled in size. Over the next 4 decades, the business relocated and expanded several times along Main Street. During this time, W.R. & Rita’s son Paul joined the family business after serving in WWII and marrying his high school sweetheart, Treva. It was also during this time that W.R. and Paul committed to a new concept in retailing: self-service. The idea of putting merchandise out where customers could pick it up and handle it, instead of keeping everything behind the main counter, was a radical idea, especially in rural communities. St. Clair embraced the new shopping experience and the business continued to thrive. The store also brought in several new departments of merchandise at this time, including children’s and ladies' clothing, and a small amount of hardware.
In 1974, Paul & Treva’s son Tom returned from Vietnam and entered the business ready to take R&R to the next level in retail. The dream was a much larger location: a junior department store located on Commercial Avenue. “The concept was simple,” said Tom. “A store where the entire family could shop. We would listen to our customers and respond to them in a way that the chains could not: we could carry what our customers wanted, not what some home office dictated.”
The new 2 level building (and current location) was finished in December of 1975, with a total of 14,000 sq. ft. on each level, and with only the upstairs level open, R&R again expanded and added several departments, including more clothing, housewares, fabric and greeting cards. The hardware department also expanded again and was quickly becoming the fastest moving category of merchandise in the store.
In 1979 Ace Hardware approached the family about incorporating a new Ace dealership into the current operation. By 1980 the lower level was opened and stocked with mainly Ace Hardware merchandise. W.R. passed away in 1982 and Rita in 1984; both had taken great pleasure in seeing the small store they created to grow to 70 times the size of the original store. Paul & Treva’s daughter Patti joined the business in 1985, and the store continued to thrive through the 80s with Ace on the lower level. Clothing was the focus upstairs, yet constantly changing with customer demands.
Paul passed in 1992 after a long battle with cancer, but the business continued to thrive with his children, Tom and Patti, now running the show. The 90s saw great growth in lawn & garden, and R&R added a greenhouse, courtyard, and deck for live plants and patio furniture. The gift department also grew significantly during this time, as did the store’s seasonal merchandise selections. Finally, in 1997, the store changed its name from R&R Family & Home Center to R&R ACE; “Not ‘Ace Hardware’ because we are so much more than a hardware store, but ACE because we have the same commitment to helpfulness and customer service that ACE is known for,” said Tom.
The store prospered into the 2000s, and 2013 saw major improvement projects to the building, all financed through Farmers & Merchants Bank. Parking lot repairs, interior and exterior remodeling, a new greenhouse, and most notably adding solar panels to the roof to help offset future electric costs. Tom’s son Jordan returned to the store in 2015, as did his daughter Paige in 2018. Now in the 4th generation of management within the Parks family, the store is adapting to the new retail landscape of brick & mortar stores in a more digital age. Staying connected to the community and serving customers continues to be the focus of the business, and is being accomplished through a growing social media presence, as well as carrying more locally made goods, and continuing to bring in consumer relevant brands that customers know and trust.
“Our relationship with Farmers & Merchants Bank over the years has grown with each new phase of our business, and they continue to support us through all of our banking needs and financing for different projects,” said Paige. “These services have allowed us to stay relevant while serving our community for the last 87 years, and we could not be more grateful to continue that relationship into our next chapter.”
Please join us in supporting this business who has been a staple in its community for 87 years!! If you are looking for a unique gift, holiday décor, home décor, local school pride apparel, general apparel, fabric, tools, hardware or custom-mixed paint, R&R ACE is the place to go!
845 N. Commercial Ave.
Saint Clair, MO 63077
Toasted Coffee House in High Ridge
Toasted was born in 2017 from three local sisters with a passion for the Jefferson County community. Sarah, Emily and Rachel were all raised in High Ridge and continue to work towards building a space they wish they had growing up.
Toasted Coffee House is a warm space to study with a latte, share a delicious pastry on a first date, or chill with a toasted panini and a glass of wine. All the pastries and baked breads are made in house daily. We have recently begun to roast our own beans and offer a wide range of coffee and tea. Toasted offers catering and a wide range of fun events for the community such as themed trivia nights, book clubs, and children's story time.
Follow us @ToastedOnTheBlvd to see what events we've got planned for you!
If you would like to support a local business, stop by and enjoy a delicious coffee or a homemade item from their breakfast and lunch menu. They are conveniently open 7 days a week!
3015 High Ridge Boulevard
High Ridge, MO 63049
Woody’s Heating & Cooling, owned and operated by Tim Woodcock
My name is Tim Woodcock, known to most people as “Woody.” I started my career in this trade working with my grandfather, Gene Spradling. We worked together for several years until I was given the opportunity to work under the direction of a few other businessmen in the Franklin County area. All were very instrumental in my knowledge of the HVAC trade.
In 1995 I decided it was time! Time to open my own business in the hometown where I was born and raised, St. Clair. My wife, Shelly, and I have three sons, Blake, Matthew and Mason. We’ve been blessed with three grandchildren, two girls and one boy who all reside in St. Clair. The two older sons, Blake and Matthew, have worked alongside me in this business for the past ten years. Our youngest son, Mason, has also had a hand in helping with the family business.
I have over thirty years of experience in heating & cooling systems, plumbing, electric and sheet metal. Whether it be a new home or business installation, upgrade or repair, my plan is to continue serving the surrounding communities with quality service. I have earned the business of local residents as well as those in the St. Louis, Lake of the Ozarks and Springfield areas to date. I take great pride in my work.
My hometown bank, Farmers and Merchants, has been very instrumental in the growth of Woody’s Heating and Cooling since the day I decided to go into business for myself. This bank has made it possible for me. Whether it be for business or personal finances we couldn’t ask for a better group of people to bank and work with. We like dealing with this local bank that supports its communities!
If you are building a home or need to update/repair your current system, contact Woody at one of the numbers below:
Woody’s Heating & Cooling
Tim Woodcock (Woody)
Franklin County Recycling & Salvage LLC, owned and operated by Bruce, Jeff and Misti Gardner
Franklin County Recycling & Salvage (F.C.R.S.) is located in Washington, Missouri and is the Missourian’s Reader Choice Award Recipient in 2016, 2017 and 2018. F.C.R.S. buys all types of metals (aluminum, brass, copper and stainless), radiators, catalytic converters, batteries and electronics. If you have household appliances or a lawn mower you need to get rid of, F.C.R.S. is where you can take it. If you need a vehicle picked up to scrap or a dumpster rental for metal recycling give them a call because they offer these services as well. Prices fluctuate so make sure to check on current pricing.
F.C.R.S. is family owned and operated by Bruce, Jeff and Misti Gardner. As kids growing up in St. Clair Bruce and Jeff always frequented the local salvage yard, Bill Davis Recycling. They enjoyed the thrill of digging through scrap for a specific part or just simply to see what cool stuff they could find. Bruce and Jeff always talked about owning a recycling business one day and that dream came to fruition in February of 2016 when they opened Franklin County Recycling & Salvage.
Per the Gardner’s, “F.C.R.S. has been able to grow more than we ever imagined with the help of Farmers & Merchants Bank (Clayton). FMB has gone above and beyond any request/assistance we have thrown at them and have done it promptly and professionally. We use them for business banking, commercial, vehicle and equipment loans as well as our personal banking and home loan.”
F.C.R.S. is active in our community helping the local schools, Girl Scouts of America and several business’ in Franklin County. In addition, F.C.R.S. assists FMB with the yearly Electronic Recycling Day.
Please help us show support to this family run business! You can reach out to them at the information below.
Franklin County Recycling & Salvage LLC
6365 Bluff Road, Washington, MO 63090 | (636) 239-1745
Mon. – CLOSED, Tues. – Fri. 8:00-3:45, Sat. 9:00 – 11:45
Blades Salon, owned and operated by Lindsay Monk
Blades Salon is located in Saint Clair and is a full-service salon staffed with a wonderful, talented group of girls who are passionate about what they do! Due to their outstanding talent the salon was recently nominated and ultimately acknowledged as runner up for the eMissourian’s “Best of 2019”-Weddings. Blades Salon offers all hair-related services including extensions and event/bridal styles along with massage therapy, spray tans, tanning beds, nails and a variety of retail products.
The business is owned and operated by Lindsay Monk and opened its doors in September of 2013. “As a young, driven, business owner, Farmers and Merchants Bank was more than helpful when it came to the overwhelming task of opening a new business. They definitely were the foundation that allowed me to follow my dreams and turn them into a reality. Without an SBA loan, Blades Salon may not exist. Our Salon and wonderful team of girls wouldn’t be able to be where they are today without the help of FMB. I am so blessed to have been open for almost 6 years and going strong, and I couldn’t have done it without the help of the wonderful ladies at FMB who got me through the beginning of my journey with ease.”
Blades Salon is a member of the St. Clair Chamber and is always participating in local events. Please help us support this local business by following them on Facebook to stay current on new offerings and promotions and check out their amazing work on Instagram! If you are looking for a new look, set up an appointment and let one of their talented stylists work their magic!
9 Paul Parks Dr.
Saint Clair, MO 63077
Find us on Facebook @bladessalon
Check out Instagram to see our work @bladessalonstc
The T-Shirt Shack, owned and operated by Angel Kelley of St. Clair
The T-Shirt Shirt Shack is a full-service custom apparel store in St. Clair that is owned and operated by Angel Kelley. Angel and her husband Ryan have two children, Sam and Grace. Sam is in the Air Force serving in England and Grace is a senior at St. Clair High School. “We love owning a small business in town. The support we have received from our neighbors make us proud to call St. Clair home.”
The T-Shirt Shack first opened nearly 5 years ago in a 150 sq. ft. store front on Main Street in St. Clair. During the early years Angel continued to work her original job as a part time office manager at a veterinary clinic while also running the business. As things improved she expanded the business to the next building over and started providing onsite screen printing.
“As business continued to grow, with the help of Farmers & Merchants Bank, my husband and I purchased our current shop at 45 South Main. FMB has continued helping us throughout the years to acquire an automatic screen press and a direct to garment printer.”
The Shack offers a wide range of products such as: custom t-shirts, sweatshirts, tank tops, polos, ball hats, stadium chairs, koozies, umbrellas, and Letterman jackets.
Services they provide:
- Heat press vinyl including glitter
- Screen print
- Direct to garment printing
- Custom stickers
- Online stores
The T-Shirt Shack is a huge supporter of our local community so please join us in helping support them! If you are looking to have a custom made item please reach out to Angel at the information above. No job is too big or too small!!
Sugar Creek Golf Course, owned by Dwain & Christine Eoff of High Ridge, MO
We purchased the acreage known as Country Club of Sugar Creek in 2013 and began operating a public 18 hole golf course with a driving range and banquet facilities known as Sugar Creek Golf Course. Our golf course is spread over 150 plus acres that on a clear day provides a great view of the St. Louis Arch from hole 5!
Thanks to FMB we were able to purchase the property and begin to operate it as a golf course providing a fun, scenic, challenging experience to the St. Louis area. We would love for you to come out and support our business and check out why Sugar Creek Golf Course is the place to spend your summer days.
Sugar Creek Golf Course is an 18 hole public golf course located in High Ridge, MO. The 150 plus acre golf course boasts a driving range and banquet facilities. Whether you are a beginning golfer or have perfected your game we are the perfect course to spend your day. If you’re not into golf and just need a place to have a party or say I DO, come check us out. We would love to celebrate your special day in our spacious club house featuring a full-service bar.
Sugar Creek Golf Course is owned by Dwain and Christine Eoff. Dwain graduated from Northwest High School and Christine graduated from Grandview High School. While owning a golf course was something we had never had the privilege of doing we knew we had to give it a shot. With Dwain’s back ground in Real Estate and business and Christine’s financial background we worked with Farmers and Merchants Bank to begin our journey. We appreciated all the help we received from everyone at Farmers and Merchants Bank. They made the process smooth and answered every question we had. Their customer service and commitment to the community goes beyond any other bank we have ever worked with.
Join us for FMB's Night at the Range event on July 11th from 6:00 pm to 8:00 pm - we'll have a drawing for a Driving Range Membership ($300 Value)!
Call our Pro Shop at 636.677.4070 to book your tee time. You can also book online at www.sugarcreekgolfcourse.com. To find out about hosting your next tournament, party or I DO’s call our Pro Shop to schedule a time to check out our event space.
Gun Shack Indoor Gun Range, owned and operated by Larry & Melinda Varner of St. Clair
The Gun Shack Indoor Gun Range is an 11 lane indoor gun range that also offers a large retail space and training classrooms. You can purchase anything from handguns, long guns, special order guns, scopes, gun cases from local companies, ammunition, hearing protection, targets, gun safes and much more. Gun rentals are also available to use at the range. If you are looking for a CCW class they offer at least one per month. In addition, you can set up private gun training and child gun safety training. You can come by and shoot for hourly rates, purchase yearly memberships and more. Military and First Responder discounts are offered!
The Gun Shack Indoor Gun Range is owned and operated by Larry and Melinda Varner, who have lived in the St. Clair / Lonedell area all of their lives. They have two adult sons and one granddaughter (their pride and joy) that also live in this area. Throughout the years Larry and Melinda have always been active in our community. The Varner’s have managed and coached many youth sports in St. Clair and participated in various organizations. Keeping their kids occupied and athletic while they grew up was important to them. “Kids personalities are a lot of fun and we both enjoyed that time in the 80’s and 90’s, we would definitely do that again.”
Larry started off and formed his first business in 1984 under Larry Varner Hauling & Excavation. In 1987 he purchased two hi-lifts, a dump truck and trailer. According to Larry, “This was the first time Farmers & Merchants Bank helped me and my business. They were able to make this deal happen and other deals in the future.” This allowed Larry to haul gravel and dirt and do small excavation jobs. Larry always enjoyed building and as the economy was getting better in 1993 he decided to focus more efforts in the construction business, which was when Larry Varner Construction was formed. Larry focused on the physical labor side of the business and Melinda managed the office. According to Varner, “In the summertime during the 90’s both of our sons would join in….family business done right."
Melinda decided to make a career change and went to Cosmetology School to get her Beautician License and ultimately opened her own beauty shop in 1998. The Hair Barn was originally located in downtown St. Clair next to State Farm. The business later moved to a building on Commercial and she now operates out of the same building as the gun range.
In 2005 the economy was changing and Larry opened St. Clair Gun & Pawn, which was originally located on the North Service Road. Varner stayed at this location for six years and the business continued to grow. In 2011 Larry expanded the gun side of his business even more and built a new 6,000 sq. ft. building behind McDonalds on the South Service Rd. He moved St. Clair Gun and Pawn to this brand new location and operated there until the move to 795 N. Commercial in 2016.
Larry has been wanting to build and operate an indoor gun range since 2006 and in the fall of 2013 he was presented with the opportunity to purchase the old bowling alley on North Commercial. He knew this would make a great range and thanks to his construction experience Larry was able to convert the bowling alley into a state-of-the-art indoor gun range.
“We would like to thank Farmers & Merchants Bank for the financing they have provided to help make this opportunity possible and a great business for the community to enjoy. To name a few good people that we have worked with over the years is Charlie Butler, Carla Hensley and Matthew Laumann, amongst others."
Please help us show support to this great couple who has dedicated their lives to providing to the great City of St. Clair and surrounding areas!
Gun Shack Indoor Gun Range
795 N Commercial
Saint Clair, MO 63077
Make sure to like us on Facebook!
Ladies night on Tuesday 4:00PM-7:00PM
Weekly emails if you sign up!
The Gun Shack Indoor Gun Range is a great venue for group corporate parties, Christmas parties, and birthday parties! It is a great form of stress relief or to enjoy a date night!
We hope you have a BANG of a good time!
U.S. Lawns, owned and operated by Jason Demyen of St. Clair
We started the business in 2013, however, my experience in the green industry goes back to 2002. U.S. Lawns is a lawn, landscape, snow and ice removal company. We take care of anything involving landscaping; portfolios of hardscape, fertilizer programs, irrigation and installation of holiday décor.
The business is growing more and more every year. In 2015 we set a goal of growing a maintenance or enhancement crew every year and have met that goal. This year we will be expanding further into St. Louis and will have a crew just for that market.
In 2018 we received the Community Champion award from U.S. Lawns home office in Orlando Florida for continuing to give back to our local community. We are also involved with Project EverGreen which provides complimentary lawn and snow removal services for the families of currently deployed military personnel. We always try to stay involved with our local community and are active members of our church.
FMB has helped us keep up with the demands of our growing business. The winter months are a slower time of the year and FMB has helped every step of the way. We appreciate all the local support and hope to continue to grow into a well-established local business.
IF YOU WOULD LIKE TO SUPPORT THIS LOCAL BUSINESS, PLEASE REACH OUT TO JASON AT THE INFORMATION BELOW:
Jason Demyen, Owner
U.S. Lawns - Franklin County
Phone: (636) 629-6900 | Direct: (636) 358-8981