STRONG
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
111
2010–2026
Total Volume
$69M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
111 total segments
With 68% of its deals being 504 loans, American Bank and Trust is a strong choice for borrowers looking for real estate financing, far exceeding the national average of 18%. This indicates a robust capability in handling larger, property-focused transactions.
The average deal size at American Bank and Trust is $619,986, suggesting they are well-equipped to handle mid-sized loans. If your financing needs fall within the $150K to $1M range, you may find this lender to be a suitable match.
American Bank and Trust has shown a 40% year-over-year growth in SBA lending, indicating a strong upward trajectory. This growth could mean they are actively seeking new borrowers and may be more flexible in their lending criteria.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 76 504 loans, which use fixed SBA debenture rates.
States where AMERICAN BANK AND TRUST has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Finance & Insurance
Finance & Insurance
Retail Trade
Retail Trade
Other Professional Services
Professional Services
+ 7 more
All recorded SBA lending activity for AMERICAN BANK AND TRUST, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| South Dakota · Manufacturing · $150K – $350K | 504 | 5 | — | $255K | Q4 2017 |
| South Dakota · Other Health Practitioners · Under $150K | 7(a) | 3 | P+1.50% | $73K | Q4 2025 |
| Iowa · Manufacturing · $1M – $2M | 504 | 3 | — | $1.2M | Q2 2012 |
| South Dakota · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.63% | $388K | Q1 2013 |
| South Dakota · Manufacturing · $500K – $1M | 504 | 2 | — | $667K | Q4 2024 |
| Iowa · Restaurants & Food Service · $1M – $2M | 504 | 2 | — | $1.2M | Q2 2023 |
| South Dakota · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $216K | Q3 2021 |
| South Dakota · Transportation & Warehousing · $150K – $350K | 7(a) | 2 | P+2.25% | $270K | Q1 2013 |
| South Dakota · Restaurants & Food Service · Under $150K | 504 | 2 | — | $135K | Q3 2024 |
| South Dakota · Accounting & Tax · $150K – $350K | 504 | 2 | — | $153K | Q4 2017 |
| South Dakota · Other Professional Services · Under $150K | 7(a) | 2 | P+3.63% | $87K | Q3 2012 |
| South Dakota · Wholesale Trade · $500K – $1M | 504 | 2 | — | $795K | Q4 2021 |
| Oklahoma · Arts, Entertainment & Recreation · $350K – $500K | 504 | 2 | — | $441K | Q2 2014 |
| Oklahoma · Auto Repair & Maintenance · $500K – $1M | 504 | 2 | — | $766K | Q1 2017 |
| South Dakota · Miscellaneous Retail · $150K – $350K | 504 | 1 | — | $307K | Q4 2024 |
| Iowa · Manufacturing · $500K – $1M | 504 | 1 | — | $852K | Q2 2012 |
| South Dakota · Hotels & Accommodation · $500K – $1M | 504 | 1 | — | $609K | Q4 2016 |
| South Dakota · Retail Trade · Under $150K | 504 | 1 | — | $105K | Q3 2018 |
| Oklahoma · Other Professional Services · Under $150K | 504 | 1 | — | $102K | Q3 2012 |
| South Dakota · Wholesale Trade · $1M – $2M | 504 | 1 | — | $1.9M | Q3 2025 |
| South Dakota · Physician & Dental Offices · $500K – $1M | 504 | 1 | — | $558K | Q1 2020 |
| South Dakota · Restaurants & Food Service · $500K – $1M | 504 | 1 | — | $998K | Q2 2022 |
| Oklahoma · Auto Repair & Maintenance · $1M – $2M | 504 | 1 | — | $1.1M | Q3 2014 |
| South Dakota · Specialty Trade Contractors · $350K – $500K | 504 | 1 | — | $405K | Q1 2022 |
| South Dakota · Specialty Trade Contractors · $150K – $350K | 504 | 1 | — | $190K | Q2 2020 |
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Real experiences from borrowers who closed SBA loans with AMERICAN BANK AND TRUST.
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