Farmers and Merchants Bank of St. Clair

Saint Clair, MO7(a) lenderNo approvals since FY2023Top sector: General Freight Trucking, Local

Is this my lender?

Loans approved

193

FY1991–FY2023

Dollars approved

$37.6M

$5.1M since FY2021

Average loan

$195K

$319K recently

Charge-off rate

8.9%

by dollars · 11.4% by count

Approvals over time

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What they lend against

General Freight Trucking, Local15 General Automotive Repair10 Full-Service Restaurants9 General Freight Trucking, Long-Distance, Truckload8 Landscaping Services7 Limited-Service Restaurants6

Loan count by NAICS industry, whole record. Each row opens that industry’s profile, where this lender is ranked against everyone else writing it.

Where they lend

Missouri191 · 99%Oregon1 · 1%Florida1 · 1%

Share is of this lender’s entire book, so the 3 states shown need not sum to 100%. Together they account for 100% of its lending.

At a glance

Rank by recent volume#1108 of 2321

First approvalFY1991

Latest approvalFY2023

States lent into3

What they charge

Too few recent 7(a) loans to quote a rate. Rates cluster on round numbers, so a median off a handful of loans reads as precise and is not.

Program mix

7(a) · 100% (193)504 · 0% (0)

Split by loan count.

7(a) $37.6M504 $0

Loss rate in context

This lender8.9%

Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 11.4%; the two measures diverge when a book is weighted toward small loans.

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