GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,107
2010–2026
Total Volume
$750M
Gross loan amounts
States Active
24
With recorded loans
Programs
7(a) & 504
1100 total segments
Centennial Bank has a strong focus on 504 loans, making up 25% of their total SBA deals. This is above the national average of around 18%, indicating they are well-suited for real estate-heavy projects.
With an average 7(a) spread of P+2.44%, Centennial 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's growth trend shows an 18% year-over-year increase in deals, suggesting they are expanding their lending capacity. This could mean a more favorable environment for borrowers seeking approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 275 504 loans, which use fixed SBA debenture rates.
Top 15 of 24 states where Centennial Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Retail Trade
Retail Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for Centennial Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 15 | P+2.50% | $745K | Q2 2025 |
| Florida · Manufacturing · $150K – $350K | 7(a) | 14 | P+2.75% | $250K | Q1 2021 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 14 | P+2.75% | $259K | Q3 2024 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 13 | P+2.00% | $95K | Q1 2025 |
| Arkansas · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+2.75% | $72K | Q3 2014 |
| Florida · Manufacturing · $500K – $1M | 7(a) | 10 | P+2.50% | $772K | Q3 2020 |
| Texas · Manufacturing · Under $150K | 7(a) | 10 | P+2.50% | $51K | Q3 2016 |
| Florida · Restaurants & Food Service · $1M – $2M | 7(a) | 10 | P+2.75% | $1.4M | Q3 2024 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 9 | P+2.50% | $261K | Q1 2025 |
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 9 | — | $730K | Q4 2016 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 9 | P+2.75% | $68K | Q4 2016 |
| Florida · Physician & Dental Offices · $150K – $350K | 504 | 8 | — | $213K | Q4 2015 |
| Texas · Transportation & Warehousing · Under $150K | 7(a) | 8 | P+3.38% | $74K | Q2 2023 |
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+1.75% | $97K | Q1 2022 |
| Texas · Food & Beverage Stores · Under $150K | 7(a) | 8 | P+2.88% | $78K | Q3 2019 |
| Texas · General Merchandise · Under $150K | 7(a) | 8 | P+2.50% | $82K | Q1 2015 |
| Florida · Specialty Trade Contractors · $150K – $350K | 7(a) | 8 | P+2.75% | $257K | Q2 2024 |
| Texas · Retail Trade · Under $150K | 7(a) | 8 | P+2.38% | $83K | Q2 2017 |
| Florida · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+2.75% | $69K | Q3 2021 |
| Florida · Manufacturing · $2M – $5M | 7(a) | 7 | P+2.75% | $3.4M | Q4 2022 |
| Florida · Administrative & Waste Services · $350K – $500K | 7(a) | 7 | P+2.75% | $461K | Q3 2021 |
| Florida · Wholesale Trade · $150K – $350K | 7(a) | 7 | P+2.50% | $238K | Q1 2021 |
| Florida · Hotels & Accommodation · $2M – $5M | 504 | 7 | — | $3.4M | Q4 2022 |
| Florida · Other Health Practitioners · Under $150K | 7(a) | 7 | P+2.75% | $62K | Q2 2017 |
| Florida · Other Health Practitioners · $150K – $350K | 7(a) | 6 | P+2.50% | $244K | Q3 2017 |
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