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
173
2016–2026
Total Volume
$122M
Gross loan amounts
States Active
8
With recorded loans
Programs
7(a) & 504
173 total segments
First Service Bank has a strong focus on startups, with 73% of their deals going to new businesses. This is significantly higher than the national average, making them a great option for first-time borrowers.
The bank offers competitive pricing with an average 7(a) spread of P+1.57%, which is lower than the national median of P+2.75%. This could save you money over the life of your loan.
While First Service Bank has some 504 activity, it is minimal at just 3% of their total deals. If you're looking for a loan that requires a significant real estate component, you might want to explore other lenders.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 5 504 loans, which use fixed SBA debenture rates.
States where First Service Bank has recorded SBA lending activity.
+ 3 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Agriculture & Forestry
Agriculture & Forestry
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Hotels & Accommodation
Accommodation & Food Services
Personal Care (Salons, Spas)
Other Services
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for First Service Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Arkansas · Agriculture & Forestry · $150K – $350K | 7(a) | 17 | P+1.78% | $267K | Q2 2025 |
| Arkansas · Agriculture & Forestry · $500K – $1M | 7(a) | 16 | P+1.97% | $764K | Q2 2025 |
| Arkansas · Agriculture & Forestry · $1M – $2M | 7(a) | 14 | P+1.61% | $1.4M | Q4 2025 |
| Arkansas · Agriculture & Forestry · Under $150K | 7(a) | 11 | P+2.43% | $68K | Q1 2025 |
| Arkansas · Agriculture & Forestry · $350K – $500K | 7(a) | 8 | P+2.44% | $406K | Q3 2025 |
| Arkansas · Specialty Trade Contractors · Under $150K | 7(a) | 7 | P+1.20% | $65K | Q4 2024 |
| Arkansas · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+1.25% | $64K | Q3 2024 |
| Arkansas · Agriculture & Forestry · $2M – $5M | 7(a) | 7 | P+1.80% | $2.9M | Q4 2025 |
| Arkansas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+2.70% | $32K | Q1 2025 |
| Missouri · Agriculture & Forestry · $2M – $5M | 7(a) | 4 | P+1.80% | $2.9M | Q3 2025 |
| Missouri · Agriculture & Forestry · $500K – $1M | 7(a) | 3 | P+1.80% | $807K | Q2 2025 |
| Arkansas · Manufacturing · Under $150K | 7(a) | 3 | P+1.50% | $122K | Q2 2025 |
| Arkansas · Manufacturing · $350K – $500K | 7(a) | 2 | P+1.38% | $493K | Q4 2022 |
| Tennessee · Agriculture & Forestry · $150K – $350K | 7(a) | 2 | P+2.25% | $255K | Q1 2021 |
| Arkansas · Utilities · Under $150K | 7(a) | 2 | P+0.38% | $25K | Q2 2022 |
| Texas · Agriculture & Forestry · $150K – $350K | 7(a) | 2 | P+1.80% | $285K | Q2 2025 |
| Texas · Agriculture & Forestry · $2M – $5M | 7(a) | 2 | P+1.20% | $2.7M | Q3 2024 |
| Arkansas · Real Estate · $500K – $1M | 7(a) | 2 | P+2.38% | $847K | Q1 2024 |
| Missouri · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+1.88% | $88K | Q4 2022 |
| Arkansas · Social Assistance · Under $150K | 7(a) | 2 | P+2.63% | $75K | Q3 2022 |
| Arkansas · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+1.38% | $250K | Q4 2023 |
| Arkansas · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.30% | $60K | Q1 2022 |
| Arkansas · Manufacturing · $150K – $350K | 7(a) | 1 | P+1.55% | $200K | Q2 2025 |
| Arkansas · Manufacturing · $1M – $2M | 7(a) | 1 | P+1.50% | $1.7M | Q2 2025 |
| Arkansas · Manufacturing · $500K – $1M | 7(a) | 1 | P+2.45% | $1.0M | Q2 2022 |
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