Where is Farmers and Merchants Bank of St. Clair located?

Farmers and Merchants Bank of St. Clair is located at 959 N Commercial Ave, SAINT CLAIR, MO 63077.

How can I contact Farmers and Merchants Bank of St. Clair?

You can contact Farmers and Merchants Bank of St. Clair by phone at (636) 629-2225.

Farmers and Merchants Bank of St. Clair

About

Community bank serving St. Clair, Missouri and surrounding areas with personal and business banking services, convenient toll-free access, and Saturday banking hours.

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of December 31, 2025

SBA Acquisition Loan Activity

Last 12 Months

0

Last 3 Years

1

YoY Growth

Data not available

Loan Size Distribution

As Of December 31, 2025

Median

$60K

Average

$60K

Sweet Spot

$0-$500K

Top Industries Served

Industries with highest loan volume

1

Full-Service Restaurants

NAICS 722511

1

loans

$60K

avg. amount

1

Full-Service Restaurants

NAICS 722511

Loans

1

Avg. Amount

$60K

Default Rate

10-Year Default Rate

0.0%

low

Percentile Ranking

Top 1%

0th percentile

Interest Rate Analysis

Variable Rate Distribution

Median: Prime + 1.50%Typical: Prime + 1.50% – 1.50%

Market Comparison

This Lender

Prime + 1.50%

Market Average

Prime + 1.88%

38 bps better market

Rate by Loan Size

Loan Size	Avg Rate
$0-$500K	Prime + 1.50%

Geographic Loan Distribution

As Of December 31, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High