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
84
2010–2026
Total Volume
$43M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
84 total segments
Most active in Iowa (100% of deals) and focuses heavily on other health practitioners (13% of deals).
With a median 7(a) spread of P + 1.16%, City State Bank prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
37% of City State Bank's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 30 504 loans, which use fixed SBA debenture rates.
States where City State Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Other Health Practitioners
Health Care & Social Assistance
Social Assistance
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for City State Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Iowa · Other Health Practitioners · Under $150K | 7(a) | 8 | P+2.13% | $71K | Q4 2023 |
| Iowa · Physician & Dental Offices · $500K – $1M | 504 | 4 | — | $629K | Q4 2022 |
| Iowa · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+1.75% | $67K | Q2 2022 |
| Iowa · Restaurants & Food Service · Under $150K | 504 | 3 | — | $127K | Q2 2021 |
| Iowa · Social Assistance · $500K – $1M | 504 | 3 | — | $601K | Q2 2022 |
| Iowa · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.75% | $77K | Q3 2020 |
| Iowa · Manufacturing · Under $150K | 7(a) | 3 | P+1.70% | $99K | Q4 2025 |
| Iowa · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+0.50% | $484K | Q3 2024 |
| Iowa · Specialty Trade Contractors · $2M – $5M | 7(a) | 2 | P+1.00% | $2.5M | Q4 2020 |
| Iowa · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.75% | $77K | Q3 2010 |
| Iowa · Transportation & Warehousing · $150K – $350K | 7(a) | 2 | P+2.00% | $229K | Q1 2022 |
| Iowa · Information & Media · Under $150K | 7(a) | 2 | P+1.25% | $83K | Q2 2025 |
| Iowa · Other Repair & Services · Under $150K | 7(a) | 2 | P+1.38% | $123K | Q3 2021 |
| Iowa · Social Assistance · $150K – $350K | 7(a) | 2 | P+1.31% | $198K | Q3 2016 |
| Iowa · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+0.88% | $78K | Q2 2022 |
| Iowa · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $300K | Q4 2024 |
| Iowa · Other Repair & Services · $500K – $1M | 7(a) | 1 | P+0.00% | $819K | Q1 2020 |
| Iowa · Manufacturing · $1M – $2M | 7(a) | 1 | P+1.75% | $1.0M | Q4 2016 |
| Iowa · Manufacturing · $350K – $500K | 7(a) | 1 | P+2.75% | $488K | Q3 2010 |
| Iowa · Retail Trade · Under $150K | 7(a) | 1 | P+0.00% | $125K | Q4 2022 |
| Iowa · Retail Trade · $1M – $2M | 7(a) | 1 | P+-0.50% | $1.7M | Q4 2022 |
| Iowa · Arts, Entertainment & Recreation · $2M – $5M | 7(a) | 1 | P+0.45% | $2.3M | Q3 2020 |
| Iowa · Specialty Trade Contractors · Under $150K | 504 | 1 | — | $63K | Q1 2012 |
| Iowa · Social Assistance · Under $150K | 504 | 1 | — | $112K | Q2 2024 |
| Iowa · Wholesale Trade · $150K – $350K | 504 | 1 | — | $232K | Q2 2013 |
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