At a glance
From its website, read 2 Nov 2026First Missouri Bank of SEMO is a bank or thrift based in Kennett, Missouri. Its website describes farm loans, home mortgages, personal loans and 1 other loan type. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (870) 763-8101 source |
|---|---|
| Apply online | Page with the application link |
| Website | myfm.bank |
| Office (official list) | 500 Independence Ave, Kennett, MO 63857 |
What their website says about applying
Reach out for more information about mortgages by phone at 1-870-763-8101 or to start your application by applying online using this link.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 27 Jan 2021 |
| RSSD ID | 991359 |
| Address | 500 Independence Ave, Kennett, MO 63857 Directions (Google Maps) |
| Website | myfm.bank |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts or service area are stated on the fetched pages, and the small-business and auto entries rest on brief page text. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | We offer crop production loans that will help with your farm’s daily operations from planting through the harvest season. | source |
| Home mortgages | — | Whether you are looking to purchase a new home, refinance your existing home, or finance some much-needed home improvements, contact FM Bank and Trust first to discuss your mortgage loan needs. | source |
| Personal / consumer loans | — | For more information about personal loans, browse our loan options below or connect with a representative. | source |
| Small-business loans | — | We will make it as quick and easy as possible to obtain a loan for your business, large or small. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. We now offer online loan applications.
source
Pages read (7)
- https://www.myfm.bank/
- https://www.myfm.bank/agricultural-lending
- https://www.myfm.bank/personal/consumer-loans
- https://www.myfm.bank/business/business-loans
- https://www.myfm.bank/personal/consumer-credit-cards
- https://www.myfm.bank/business/business-credit-cards
- https://www.myfm.bank/personal/consumer-loans/mortgages
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.7 million in 4 awards from the U.S. Treasury's CDFI Fund, 2021–2023 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Bank Enterprise Award Program | $414,086 |
| 2022 | CDFI Equitable Recovery Program | $4,337,968 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Other certified CDFIs in Kennett and Missouri
- Alltru Federal Credit UnionCredit union · Wentzville, MOAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…Verified
- AltCapLoan fund · North Kansas City, MOMicroloans, Small-business loansVerified
- Central Bancshares Of Kansas City, Inc.Bank holding company · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Central Bank of Kansas CityBank or thrift · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Century Bank of the OzarksBank or thrift · Gainesville, MOAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- First State Bank & Trust Company, Inc.Bank or thrift · Caruthersville, MOAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at First Missouri Bank of SEMO? Link to this page
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