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
338
2010–2026
Total Volume
$101M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
338 total segments
Consumers National Bank has a strong focus on existing businesses, with 71% of their deals serving this purpose. This is beneficial for borrowers looking to expand or refinance established operations.
With an average 7(a) spread of P+1.35%, Consumers National Bank offers competitive pricing compared to the national median of P+2.75%. This could save borrowers money on interest over the life of their loan.
The bank's 9% share of 504 loans indicates a balanced approach to lending, but borrowers needing significant real estate financing might find better options elsewhere, as this is below the national average of 18%.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 31 504 loans, which use fixed SBA debenture rates.
States where Consumers National 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
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Retail Trade
Retail Trade
Other Professional Services
Professional Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Consumers National Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Ohio · Manufacturing · Under $150K | 7(a) | 24 | P+1.00% | $83K | Q3 2025 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 21 | P+1.00% | $252K | Q3 2024 |
| Ohio · Specialty Trade Contractors · Under $150K | 7(a) | 18 | P+1.00% | $81K | Q4 2025 |
| Ohio · Restaurants & Food Service · Under $150K | 7(a) | 14 | P+1.38% | $67K | Q4 2025 |
| Ohio · Administrative & Waste Services · Under $150K | 7(a) | 13 | P+0.75% | $54K | Q1 2025 |
| Ohio · Retail Trade · Under $150K | 7(a) | 12 | P+1.75% | $74K | Q4 2017 |
| Ohio · Transportation & Warehousing · Under $150K | 7(a) | 11 | P+0.78% | $78K | Q1 2025 |
| Ohio · Manufacturing · $500K – $1M | 7(a) | 9 | P+1.00% | $744K | Q3 2025 |
| Ohio · Building Construction · Under $150K | 7(a) | 9 | P+1.00% | $68K | Q3 2023 |
| Ohio · Restaurants & Food Service · $350K – $500K | 7(a) | 9 | P+0.90% | $437K | Q3 2023 |
| Ohio · Other Health Practitioners · Under $150K | 7(a) | 8 | P+1.00% | $97K | Q2 2025 |
| Ohio · Manufacturing · $350K – $500K | 7(a) | 8 | P+1.00% | $463K | Q1 2025 |
| Ohio · Specialty Trade Contractors · $150K – $350K | 7(a) | 7 | P+1.74% | $254K | Q3 2022 |
| Ohio · Other Professional Services · Under $150K | 7(a) | 7 | P+1.00% | $85K | Q4 2025 |
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+1.25% | $211K | Q4 2025 |
| Ohio · Other Repair & Services · Under $150K | 7(a) | 6 | P+1.00% | $62K | Q4 2024 |
| Ohio · Miscellaneous Retail · Under $150K | 7(a) | 6 | P+0.75% | $101K | Q4 2024 |
| Ohio · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+1.10% | $62K | Q4 2021 |
| Ohio · Real Estate · Under $150K | 7(a) | 5 | P+1.50% | $72K | Q3 2022 |
| Ohio · Accounting & Tax · Under $150K | 7(a) | 5 | P+1.25% | $75K | Q1 2021 |
| Ohio · Transportation & Warehousing · $150K – $350K | 7(a) | 5 | P+-0.25% | $209K | Q4 2025 |
| Ohio · Manufacturing · $1M – $2M | 7(a) | 4 | P+0.75% | $1.4M | Q3 2021 |
| Ohio · Specialty Trade Contractors · $350K – $500K | 7(a) | 4 | P+1.00% | $449K | Q2 2025 |
| Ohio · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 4 | P+1.38% | $213K | Q1 2024 |
| Ohio · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+1.38% | $64K | Q3 2025 |
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