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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
100
2010–2025
Total Volume
$211M
Gross loan amounts
States Active
24
With recorded loans
Programs
7(a) & 504
100 total segments
Farmers State Bank of Alto Pass focuses heavily on startups, with 49% of their SBA deals going to new businesses. This indicates a strong inclination to support entrepreneurs looking to launch their ventures.
The bank offers competitive pricing with an average 7(a) spread of P+1.78%, which is lower than the national median of P+2.75%. This could make borrowing more affordable for your business.
Despite a diverse portfolio, the bank has seen a -20% year-over-year decline in SBA deals, which may suggest tightening lending conditions. This trend could make it more challenging to secure a loan in the future.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 1 504 loans, which use fixed SBA debenture rates.
Top 15 of 24 states where Farmers State Bank of Alto Pass, Illinois has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Other Professional Services
Professional Services
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Gas Stations
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Retail Trade
Retail Trade
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Farmers State Bank of Alto Pass, Illinois, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Tennessee · Hotels & Accommodation · $2M – $5M | 7(a) | 6 | P+1.75% | $3.5M | Q1 2025 |
| Indiana · Hotels & Accommodation · $2M – $5M | 7(a) | 5 | P+1.50% | $3.4M | Q3 2021 |
| Texas · Hotels & Accommodation · $2M – $5M | 7(a) | 5 | P+1.50% | $4.2M | Q2 2023 |
| Ohio · Hotels & Accommodation · $2M – $5M | 7(a) | 4 | P+1.50% | $4.3M | Q3 2025 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 3 | P+1.75% | $4.3M | Q1 2024 |
| Illinois · Hotels & Accommodation · $1M – $2M | 7(a) | 2 | P+1.75% | $1.4M | Q1 2021 |
| Texas · Other Professional Services · Under $150K | 7(a) | 2 | P+1.88% | $138K | Q2 2020 |
| Texas · Other Professional Services · $150K – $350K | 7(a) | 2 | P+1.75% | $200K | Q4 2020 |
| Illinois · Real Estate · $150K – $350K | 7(a) | 2 | P+1.75% | $277K | Q4 2019 |
| Indiana · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.25% | $60K | Q3 2019 |
| Illinois · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+1.25% | $4.6M | Q3 2021 |
| Missouri · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+1.88% | $4.2M | Q1 2025 |
| Indiana · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+1.63% | $715K | Q3 2021 |
| Indiana · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.75% | $63K | Q2 2010 |
| Indiana · Manufacturing · Under $150K | 7(a) | 2 | P+2.75% | $90K | Q1 2010 |
| Florida · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+2.13% | $5.0M | Q1 2022 |
| Kentucky · Hotels & Accommodation · $500K – $1M | 7(a) | 2 | P+1.25% | $875K | Q1 2025 |
| Louisiana · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+1.50% | $3.2M | Q2 2021 |
| Tennessee · Other Professional Services · $150K – $350K | 7(a) | 2 | P+1.75% | $243K | Q2 2021 |
| Illinois · Retail Trade · $2M – $5M | 7(a) | 1 | P+1.50% | $5.0M | Q2 2020 |
| Illinois · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 1 | P+1.00% | $598K | Q2 2019 |
| Indiana · Physician & Dental Offices · $500K – $1M | 7(a) | 1 | P+2.75% | $530K | Q4 2009 |
| Indiana · Hotels & Accommodation · $150K – $350K | 7(a) | 1 | P+1.75% | $339K | Q2 2020 |
| Indiana · Hotels & Accommodation · $1M – $2M | 7(a) | 1 | P+1.50% | $1.5M | Q2 2022 |
| Indiana · Hotels & Accommodation · $500K – $1M | 7(a) | 1 | P+2.00% | $604K | Q2 2021 |
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Real experiences from borrowers who closed SBA loans with Farmers State Bank of Alto Pass, Illinois.
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