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
90
2010–2026
Total Volume
$112M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
90 total segments
Most active in Illinois (83% of deals) and focuses heavily on manufacturing (26% of deals).
With a median 7(a) spread of P + 2.75%, AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
Manufacturing makes up 26% of AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION's deals — 6.0x the national average. This is a clear specialist, not a generalist who happens to do some manufacturing lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 88 504 loans, which use fixed SBA debenture rates.
States where AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Legal Services
Professional Services
Restaurants & Food Service
Accommodation & Food Services
Education
Education
+ 7 more
All recorded SBA lending activity for AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Indiana · Manufacturing · $1M – $2M | 504 | 6 | — | $1.4M | Q2 2025 |
| Illinois · Arts, Entertainment & Recreation · $1M – $2M | 504 | 5 | — | $1.4M | Q3 2025 |
| Illinois · Manufacturing · $500K – $1M | 504 | 5 | — | $632K | Q2 2025 |
| Illinois · Specialty Trade Contractors · $1M – $2M | 504 | 3 | — | $1.3M | Q3 2025 |
| Illinois · Manufacturing · $150K – $350K | 504 | 2 | — | $216K | Q1 2023 |
| Illinois · Education · $1M – $2M | 504 | 2 | — | $1.1M | Q3 2022 |
| Illinois · Manufacturing · $350K – $500K | 504 | 2 | — | $491K | Q2 2023 |
| Illinois · Manufacturing · $1M – $2M | 504 | 2 | — | $1.1M | Q3 2021 |
| Illinois · Wholesale Trade · $350K – $500K | 504 | 2 | — | $454K | Q3 2023 |
| Illinois · Legal Services · $350K – $500K | 504 | 2 | — | $406K | Q2 2020 |
| Illinois · Arts, Entertainment & Recreation · $2M – $5M | 504 | 1 | — | $5.0M | Q4 2025 |
| Illinois · Food & Beverage Stores · $2M – $5M | 504 | 1 | — | $5.0M | Q4 2025 |
| Illinois · Arts, Entertainment & Recreation · $500K – $1M | 504 | 1 | — | $718K | Q3 2024 |
| Illinois · Other Health Practitioners · $350K – $500K | 504 | 1 | — | $406K | Q3 2010 |
| Illinois · Other Repair & Services · $500K – $1M | 504 | 1 | — | $701K | Q4 2020 |
| Illinois · Manufacturing · Under $150K | 504 | 1 | — | $102K | Q4 2020 |
| Illinois · Auto Repair & Maintenance · $500K – $1M | 504 | 1 | — | $555K | Q4 2020 |
| Illinois · Retail Trade · $1M – $2M | 504 | 1 | — | $1.2M | Q2 2025 |
| Illinois · Finance & Insurance · $150K – $350K | 504 | 1 | — | $337K | Q2 2021 |
| Illinois · Hotels & Accommodation · $500K – $1M | 504 | 1 | — | $829K | Q2 2019 |
| Illinois · Specialty Trade Contractors · $500K – $1M | 504 | 1 | — | $984K | Q2 2023 |
| Wisconsin · Other Health Practitioners · Under $150K | 504 | 1 | — | $129K | Q1 2020 |
| Illinois · Other Services · $500K – $1M | 504 | 1 | — | $737K | Q3 2022 |
| Illinois · Miscellaneous Retail · $2M – $5M | 504 | 1 | — | $5.0M | Q3 2024 |
| Illinois · Transportation & Warehousing · $350K – $500K | 504 | 1 | — | $497K | Q2 2024 |
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