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
1,218
2010–2026
Total Volume
$583M
Gross loan amounts
States Active
19
With recorded loans
Programs
7(a) & 504
1218 total segments
Central Bank has a strong focus on existing businesses, with 55% of their deals supporting established companies. This makes them a good choice for borrowers looking to expand or refinance an existing operation.
With an average 7(a) spread of P+2.32%, Central Bank offers competitive pricing compared to the national median of P+2.75%. This can lead to significant savings over the life of the loan.
Despite a solid volume of 1,218 total SBA deals, Central Bank's growth trend shows a decline of 15% year-over-year. This may indicate tighter lending conditions, which could affect approval rates for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 250 504 loans, which use fixed SBA debenture rates.
Top 15 of 19 states where Central Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Physician & Dental Offices
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Central Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Utah · Restaurants & Food Service · Under $150K | 7(a) | 44 | P+2.63% | $75K | Q4 2025 |
| Utah · Manufacturing · Under $150K | 7(a) | 39 | P+3.25% | $84K | Q4 2025 |
| Utah · Manufacturing · $150K – $350K | 7(a) | 36 | P+2.88% | $244K | Q3 2025 |
| Utah · Specialty Trade Contractors · Under $150K | 7(a) | 32 | P+3.00% | $77K | Q3 2025 |
| Utah · Specialty Trade Contractors · $150K – $350K | 7(a) | 28 | P+2.38% | $264K | Q4 2025 |
| Utah · Other Health Practitioners · Under $150K | 7(a) | 26 | P+3.50% | $77K | Q3 2025 |
| Utah · Transportation & Warehousing · Under $150K | 7(a) | 26 | P+3.00% | $76K | Q3 2024 |
| Utah · Personal Care (Salons, Spas) · Under $150K | 7(a) | 22 | P+2.75% | $70K | Q2 2024 |
| Utah · Miscellaneous Retail · Under $150K | 7(a) | 21 | P+2.25% | $80K | Q1 2025 |
| Utah · Wholesale Trade · Under $150K | 7(a) | 20 | P+2.88% | $70K | Q3 2025 |
| Utah · Arts, Entertainment & Recreation · Under $150K | 7(a) | 20 | P+2.38% | $67K | Q4 2024 |
| Utah · Administrative & Waste Services · $150K – $350K | 7(a) | 19 | P+2.75% | $248K | Q2 2025 |
| Utah · Administrative & Waste Services · Under $150K | 7(a) | 18 | P+2.75% | $49K | Q2 2024 |
| Utah · Building Construction · Under $150K | 7(a) | 14 | P+2.88% | $77K | Q4 2025 |
| Utah · Other Repair & Services · Under $150K | 7(a) | 14 | P+2.13% | $74K | Q1 2024 |
| Utah · Management & IT Consulting · Under $150K | 7(a) | 14 | P+3.75% | $63K | Q4 2024 |
| Utah · Wholesale Trade · $150K – $350K | 7(a) | 13 | P+2.00% | $249K | Q2 2025 |
| Utah · Physician & Dental Offices · Under $150K | 7(a) | 13 | P+4.00% | $86K | Q1 2024 |
| Utah · Retail Trade · Under $150K | 7(a) | 12 | P+4.25% | $87K | Q4 2021 |
| Utah · Auto Repair & Maintenance · Under $150K | 7(a) | 12 | P+2.75% | $80K | Q2 2024 |
| Utah · Other Health Practitioners · $150K – $350K | 7(a) | 12 | P+3.13% | $251K | Q4 2023 |
| Utah · Physician & Dental Offices · $150K – $350K | 7(a) | 11 | P+2.50% | $316K | Q3 2024 |
| Utah · Retail Trade · $150K – $350K | 7(a) | 10 | P+2.75% | $237K | Q4 2021 |
| Utah · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 10 | P+2.00% | $244K | Q3 2025 |
| Utah · Manufacturing · $500K – $1M | 7(a) | 9 | P+1.50% | $729K | Q1 2025 |
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