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 June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

0

Last 3 Years

1

YoY Growth

+0.0%

no activity

Loan Size Distribution

As Of June 30, 2025

Median

$60K

Average

$60K

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + 1.50%

Typical Range:Prime + 1.50% - 1.50%

Min / Max:Prime + 1.50% / 1.50%

Market Comparison

This Lender

Prime + 1.50%

Market Average

Prime + 1.25%

25 bps above market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High