GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
159
2010–2023
Total Volume
$27M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
159 total segments
Farmers and Merchants Bank of St. Clair focuses heavily on existing businesses, with 57% of their deals supporting established companies. This makes them a strong choice if you're looking to expand an existing operation rather than starting a new venture.
With an average 7(a) spread of P+2.55%, Farmers and Merchants Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender has seen a significant decline in activity, with a 60% drop in year-over-year deals. This trend may indicate a tighter lending environment, making it potentially harder for new applicants to get approved.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 3 504 loans, which use fixed SBA debenture rates.
States where Farmers and Merchants Bank of St. Clair has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Farmers and Merchants Bank of St. Clair, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 23 | P+3.25% | $60K | Q3 2020 |
| Missouri · Manufacturing · Under $150K | 7(a) | 12 | P+2.50% | $72K | Q4 2019 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 12 | P+1.88% | $74K | Q2 2023 |
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 10 | P+2.00% | $46K | Q1 2023 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 8 | P+2.50% | $49K | Q1 2017 |
| Missouri · Auto Repair & Maintenance · Under $150K | 7(a) | 7 | P+3.75% | $48K | Q3 2017 |
| Missouri · Wholesale Trade · Under $150K | 7(a) | 6 | P+3.25% | $59K | Q3 2017 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 5 | P+1.25% | $253K | Q2 2022 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.25% | $234K | Q3 2016 |
| Missouri · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+1.63% | $404K | Q3 2023 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 4 | P+3.25% | $55K | Q4 2016 |
| Missouri · Sporting Goods & Hobby · Under $150K | 7(a) | 3 | P+1.50% | $142K | Q4 2018 |
| Missouri · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+5.75% | $25K | Q1 2017 |
| Missouri · Finance & Insurance · Under $150K | 7(a) | 2 | P+6.50% | $15K | Q4 2016 |
| Missouri · Social Assistance · $150K – $350K | 7(a) | 2 | P+2.63% | $212K | Q2 2015 |
| Missouri · Real Estate · Under $150K | 7(a) | 2 | P+1.75% | $125K | Q2 2015 |
| Missouri · Real Estate · $150K – $350K | 7(a) | 2 | P+1.88% | $207K | Q1 2018 |
| Missouri · Heavy & Civil Engineering · Under $150K | 7(a) | 2 | P+2.25% | $81K | Q4 2016 |
| Missouri · Auto Repair & Maintenance · $500K – $1M | 7(a) | 2 | P+2.25% | $800K | Q1 2016 |
| Missouri · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $206K | Q3 2010 |
| Missouri · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+2.13% | $11K | Q3 2021 |
| Missouri · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+1.75% | $301K | Q1 2017 |
| Missouri · Engineering & Architecture · Under $150K | 7(a) | 2 | P+2.50% | $29K | Q1 2016 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.13% | $275K | Q2 2016 |
| Missouri · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+2.63% | $216K | Q1 2016 |
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