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
111
2010–2025
Total Volume
$22M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
111 total segments
Farmers Bank and Trust has a strong focus on existing businesses, with 51% of their deals serving this purpose. This is beneficial if you're looking to expand or refinance an established operation.
With an average 7(a) spread of P+1.54%, Farmers Bank and Trust 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 a decline of 25% year-over-year in deal volume, which may indicate a tightening of lending criteria. Be prepared for a potentially more rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 9 504 loans, which use fixed SBA debenture rates.
States where Farmers Bank and Trust has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Agriculture & Forestry
Agriculture & Forestry
Transportation & Warehousing
Transportation & Warehousing
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Building Construction
Construction
Auto Dealers & Parts
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Farmers Bank and Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kansas · Agriculture & Forestry · Under $150K | 7(a) | 10 | P+1.00% | $80K | Q3 2023 |
| Kansas · Transportation & Warehousing · Under $150K | 7(a) | 10 | P+0.50% | $88K | Q1 2025 |
| Kansas · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+0.50% | $104K | Q3 2024 |
| Kansas · Agriculture & Forestry · $150K – $350K | 7(a) | 5 | P+1.00% | $257K | Q1 2024 |
| Kansas · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+2.00% | $73K | Q4 2021 |
| Kansas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.38% | $48K | Q1 2021 |
| Kansas · Auto Dealers & Parts · Under $150K | 7(a) | 3 | P+3.75% | $66K | Q3 2011 |
| Kansas · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+1.25% | $261K | Q3 2021 |
| Kansas · Social Assistance · Under $150K | 7(a) | 3 | P+1.00% | $64K | Q3 2018 |
| Kansas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+2.75% | $72K | Q4 2015 |
| Kansas · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+2.75% | $83K | Q2 2015 |
| Kansas · Mining & Oil/Gas · Under $150K | 7(a) | 3 | P+2.00% | $113K | Q2 2022 |
| Kansas · Manufacturing · Under $150K | 7(a) | 3 | P+2.00% | $80K | Q1 2021 |
| Kansas · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.63% | $25K | Q1 2025 |
| Kansas · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+1.48% | $232K | Q2 2018 |
| Kansas · Sporting Goods & Hobby · Under $150K | 7(a) | 2 | P+1.31% | $95K | Q4 2015 |
| Kansas · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.25% | $265K | Q3 2016 |
| Kansas · Building Construction · Under $150K | 7(a) | 2 | P+0.88% | $113K | Q1 2023 |
| Kansas · Retail Trade · Under $150K | 7(a) | 2 | P+1.75% | $100K | Q2 2019 |
| Kansas · Other Professional Services · Under $150K | 7(a) | 2 | P+1.38% | $50K | Q3 2020 |
| Kansas · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $25K | Q1 2015 |
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 1 | P+0.25% | $75K | Q3 2017 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 1 | P+0.50% | $200K | Q1 2019 |
| Missouri · Agriculture & Forestry · $350K – $500K | 7(a) | 1 | P+1.25% | $500K | Q2 2020 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 1 | P+2.00% | $160K | Q4 2012 |
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