SBA lender profile
Farmers and Merchants Bank of St. Clair
Farmers and Merchants Bank of St. Clair appears in the public SBA loan data with 21 funded 7(a) loans totaling $5.7M, an average of $270K per loan, and an estimated 88 jobs supported. Its SBA lending concentrates in Missouri and the Retail Trade sector. Across all of its loans in the data, its charge-off rate is 4.8%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
21
Total volume
$5.7M
Average loan size
$270K
Charge-off rate
4.8%
Share of funded loans charged off
Jobs supported (reported)
88
Programs
7(a)
Bank profile
via FDIC- Total assets
- $343M
- Headquarters
- Saint Clair, MO
- FDIC cert
- #14056
- Status
- Active
Where Farmers and Merchants Bank of St. Clair lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Missouri | 21 | $5.7M |
What Farmers and Merchants Bank of St. Clair funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 3 | $2.3M |
| Accommodation and Food Services | 7 | $1.0M |
| Professional and Technical Services | 1 | $975K |
| Manufacturing | 3 | $616K |
| Construction | 5 | $376K |
| Transportation and Warehousing | 2 | $328K |
Farmers and Merchants Bank of St. Clair SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 5 | $565K |
| 2021 | 11 | $4.0M |
| 2022 | 2 | $506K |
| 2023 | 3 | $593K |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Farmers and Merchants Bank of St. Clair's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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