GOOD
How competitive are their spreads? Lower = better for you.
FAIR
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
43
2010–2025
Total Volume
$12M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
43 total segments
Most active in Montana (98% of deals) and focuses heavily on restaurants & food service (14% of deals).
With a median 7(a) spread of P + 2.30%, Ascent Bank prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
43 SBA loans worth $12.5M since FY2010, with relatively steady volume year-over-year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 2 504 loans, which use fixed SBA debenture rates.
States where Ascent Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Finance & Insurance
Finance & Insurance
Education
Education
Wholesale Trade
Wholesale Trade
Manufacturing
Manufacturing
Food & Beverage Stores
Retail Trade
Personal Care (Salons, Spas)
Other Services
Auto Dealers & Parts
Retail Trade
+ 7 more
All recorded SBA lending activity for Ascent Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Montana · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.38% | $78K | Q2 2019 |
| Montana · Education · Under $150K | 7(a) | 3 | P+2.00% | $46K | Q1 2018 |
| Montana · Manufacturing · Under $150K | 7(a) | 3 | P+2.25% | $38K | Q1 2017 |
| Montana · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+3.50% | $47K | Q4 2010 |
| Montana · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+3.00% | $31K | Q2 2021 |
| Montana · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+1.00% | $695K | Q3 2025 |
| Montana · Finance & Insurance · $500K – $1M | 7(a) | 2 | P+1.88% | $665K | Q3 2022 |
| Montana · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.13% | $172K | Q2 2015 |
| Montana · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.50% | $48K | Q2 2017 |
| Montana · Other Health Practitioners · $350K – $500K | 7(a) | 1 | P+2.50% | $500K | Q1 2025 |
| Montana · Social Assistance · Under $150K | 7(a) | 1 | P+3.75% | $25K | Q2 2010 |
| Montana · Auto Repair & Maintenance · $350K – $500K | 7(a) | 1 | P+1.50% | $373K | Q1 2016 |
| Montana · Wholesale Trade · $350K – $500K | 7(a) | 1 | P+2.25% | $493K | Q1 2011 |
| Montana · Retail Trade · Under $150K | 7(a) | 1 | P+3.25% | $25K | Q4 2009 |
| Montana · Transportation & Warehousing · Under $150K | 7(a) | 1 | P+3.25% | $36K | Q2 2013 |
| Montana · Finance & Insurance · $150K – $350K | 7(a) | 1 | P+0.50% | $225K | Q3 2022 |
| Montana · Real Estate · $150K – $350K | 7(a) | 1 | P+2.50% | $200K | Q4 2016 |
| Montana · Education · $1M – $2M | 7(a) | 1 | P+1.75% | $1.2M | Q1 2018 |
| Montana · Other Health Practitioners · $150K – $350K | 504 | 1 | — | $342K | Q4 2020 |
| Arizona · Finance & Insurance · Under $150K | 7(a) | 1 | P+2.50% | $30K | Q2 2016 |
| Montana · Retail Trade · $500K – $1M | 504 | 1 | — | $936K | Q1 2020 |
| Montana · Specialty Trade Contractors · Under $150K | 7(a) | 1 | P+2.74% | $36K | Q4 2009 |
| Montana · Building Construction · Under $150K | 7(a) | 1 | P+3.00% | $50K | Q2 2023 |
| Montana · Auto Dealers & Parts · Under $150K | 7(a) | 1 | P+2.00% | $100K | Q3 2024 |
| Montana · Auto Dealers & Parts · $1M – $2M | 7(a) | 1 | P+1.00% | $1.8M | Q3 2024 |
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