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
69
2010–2025
Total Volume
$40M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
69 total segments
Most active in Iowa (97% of deals) and focuses heavily on manufacturing (23% of deals).
Manufacturing makes up 23% of Community Savings Bank's deals — 5.4x the national average. This is a clear specialist, not a generalist who happens to do some manufacturing lending.
33% of Community Savings 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 14 504 loans, which use fixed SBA debenture rates.
States where Community Savings Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
Personal Care (Salons, Spas)
Other Services
Auto Dealers & Parts
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for Community Savings Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Iowa · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.88% | $83K | Q3 2016 |
| Iowa · Auto Repair & Maintenance · $150K – $350K | 7(a) | 5 | P+2.75% | $239K | Q4 2024 |
| Iowa · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+2.13% | $34K | Q2 2014 |
| Iowa · Manufacturing · $2M – $5M | 7(a) | 3 | P+1.25% | $2.9M | Q3 2022 |
| Iowa · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.75% | $288K | Q3 2021 |
| Iowa · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.25% | $230K | Q2 2022 |
| Iowa · Manufacturing · Under $150K | 7(a) | 3 | P+2.75% | $80K | Q4 2019 |
| Iowa · Auto Repair & Maintenance · $350K – $500K | 7(a) | 2 | P+1.50% | $465K | Q1 2021 |
| Iowa · Manufacturing · $1M – $2M | 504 | 2 | — | $1.3M | Q4 2021 |
| Iowa · Retail Trade · Under $150K | 7(a) | 2 | P+4.00% | $58K | Q4 2016 |
| Iowa · Manufacturing · $500K – $1M | 504 | 2 | — | $604K | Q1 2017 |
| Iowa · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.25% | $243K | Q1 2020 |
| Iowa · Auto Dealers & Parts · $150K – $350K | 7(a) | 2 | P+1.88% | $315K | Q3 2012 |
| Iowa · Administrative & Waste Services · Under $150K | 7(a) | 1 | P+2.40% | $60K | Q2 2019 |
| Iowa · Education · $150K – $350K | 7(a) | 1 | P+1.75% | $285K | Q3 2020 |
| Iowa · Arts, Entertainment & Recreation · $2M – $5M | 7(a) | 1 | P+2.00% | $3.1M | Q3 2024 |
| Iowa · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 1 | P+2.50% | $949K | Q4 2024 |
| Minnesota · Manufacturing · $1M – $2M | 7(a) | 1 | P+0.75% | $1.1M | Q3 2025 |
| Iowa · Manufacturing · $150K – $350K | 504 | 1 | — | $198K | Q4 2011 |
| Iowa · Other Health Practitioners · $500K – $1M | 504 | 1 | — | $568K | Q3 2022 |
| Iowa · Wholesale Trade · $150K – $350K | 504 | 1 | — | $157K | Q3 2011 |
| Minnesota · Hotels & Accommodation · $500K – $1M | 504 | 1 | — | $864K | Q1 2022 |
| Iowa · Food & Beverage Stores · $2M – $5M | 504 | 1 | — | $2.9M | Q2 2021 |
| Iowa · Hotels & Accommodation · $2M – $5M | 504 | 1 | — | $4.6M | Q2 2024 |
| Iowa · Legal Services · Under $150K | 504 | 1 | — | $140K | Q1 2013 |
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