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 159 funded 7(a) loans since FY2010, totaling $26.4M, an average of $166K per loan, and an estimated 852 jobs supported. Its SBA lending concentrates in Missouri and the Health Care and Social Assistance sector. Across its 7(a) loans, the charge-off rate is 5.7%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 59
- Scale 51
- Activity 20
- Consistency 72
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Farmers and Merchants Bank of St. Clair the right lender for you?
Lenders fund what they know. Farmers and Merchants Bank of St. Clair's SBA lending concentrates in Missouri (157 loans) and Health Care and Social Assistance (13 loans), at an average loan of $166K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
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.
What Farmers and Merchants Bank of St. Clair funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Health Care and Social Assistance | 13 | $4.2M |
| Retail Trade | 17 | $4.0M |
| Other Services | 16 | $3.9M |
| Accommodation and Food Services | 20 | $3.6M |
| Transportation and Warehousing | 26 | $3.1M |
| Manufacturing | 18 | $2.3M |
Farmers and Merchants Bank of St. Clair SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 9 | $832K |
| 2011 | 8 | $967K |
| 2012 | 10 | $1.8M |
| 2013 | 12 | $1.2M |
| 2014 | 18 | $1.7M |
| 2015 | 19 | $4.8M |
| 2016 | 24 | $4.6M |
| 2017 | 24 | $2.1M |
| 2018 | 8 | $2.4M |
| 2019 | 6 | $299K |
| 2020 | 5 | $565K |
| 2021 | 11 | $4.0M |
| 2022 | 2 | $506K |
| 2023 | 3 | $593K |
Related SBA lenders
Other lenders active in Missouri or in Health Care and Social Assistance.
Comparing lenders? See how to choose an SBA lender by track record.
Farmers and Merchants Bank of St. Clair: frequently asked questions
Does Farmers and Merchants Bank of St. Clair offer SBA loans?
Yes. Farmers and Merchants Bank of St. Clair appears in the public SBA data with 159 funded SBA 7(a) loans totaling $26.4M.
How many SBA loans has Farmers and Merchants Bank of St. Clair made?
Farmers and Merchants Bank of St. Clair is associated with 159 SBA 7(a) loans totaling $26.4M in the public SBA data (as of 2026-03-31).
What is Farmers and Merchants Bank of St. Clair's SBA charge-off rate?
About 5.7% of Farmers and Merchants Bank of St. Clair's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Farmers and Merchants Bank of St. Clair do most of its SBA lending?
Farmers and Merchants Bank of St. Clair's SBA lending in the data is most concentrated in Missouri, and by industry in Health Care and Social Assistance.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Farmers and Merchants Bank of St. Clair SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/farmers-and-merchants-bank-of-st-clair/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
Looking for a lender like this?
Compare a few SBA lenders by track record, then get matched with SBA-approved lenders that fund businesses like yours.
Get SBA lending trends in your inbox
Occasional, data-driven briefings on SBA lending by industry and state. No spam, unsubscribe anytime.
We use your email only to send lending-trend updates. See our privacy policy.