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
90
2010–2026
Total Volume
$31M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
90 total segments
Most active in Kansas (41% of deals) and focuses heavily on restaurants & food service (16% of deals).
With a median 7(a) spread of P + 1.39%, First State Bank and Trust prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
38% of First State Bank and Trust'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 34 504 loans, which use fixed SBA debenture rates.
States where First State Bank and Trust has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Personal Care (Salons, Spas)
Other Services
Wholesale Trade
Wholesale Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Finance & Insurance
Finance & Insurance
+ 7 more
All recorded SBA lending activity for First State Bank and Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kansas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+2.38% | $108K | Q3 2025 |
| Kansas · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+1.00% | $57K | Q2 2024 |
| Kansas · Manufacturing · Under $150K | 7(a) | 3 | P+2.25% | $48K | Q4 2019 |
| Illinois · Manufacturing · $150K – $350K | 504 | 2 | — | $318K | Q4 2021 |
| Kansas · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+2.50% | $80K | Q2 2025 |
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.38% | $210K | Q4 2018 |
| Kansas · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.00% | $50K | Q2 2023 |
| Kansas · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+0.60% | $216K | Q1 2023 |
| Kansas · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+1.50% | $93K | Q1 2019 |
| Kansas · Physician & Dental Offices · Under $150K | 7(a) | 1 | P+1.50% | $112K | Q3 2016 |
| Kansas · Agriculture & Forestry · $150K – $350K | 7(a) | 1 | P+1.25% | $307K | Q1 2018 |
| Kansas · Transportation & Warehousing · Under $150K | 7(a) | 1 | P+2.50% | $75K | Q2 2015 |
| Kansas · Finance & Insurance · $150K – $350K | 7(a) | 1 | P+2.50% | $207K | Q3 2015 |
| Kansas · Finance & Insurance · $350K – $500K | 7(a) | 1 | P+2.50% | $390K | Q2 2015 |
| Kansas · Real Estate · $350K – $500K | 7(a) | 1 | P+1.25% | $389K | Q1 2019 |
| Kansas · Administrative & Waste Services · Under $150K | 7(a) | 1 | P+2.50% | $140K | Q4 2025 |
| Kansas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 1 | P+0.75% | $50K | Q4 2018 |
| Kansas · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 1 | P+1.50% | $250K | Q2 2019 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 1 | P+0.50% | $50K | Q3 2025 |
| Minnesota · Management & IT Consulting · Under $150K | 7(a) | 1 | P+1.00% | $50K | Q2 2023 |
| Minnesota · Management & IT Consulting · $500K – $1M | 7(a) | 1 | P+-1.00% | $604K | Q2 2023 |
| Minnesota · Auto Repair & Maintenance · $500K – $1M | 7(a) | 1 | P+2.75% | $675K | Q4 2025 |
| Minnesota · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 1 | P+0.50% | $250K | Q2 2024 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 1 | P+2.50% | $50K | Q1 2018 |
| Minnesota · Manufacturing · $350K – $500K | 7(a) | 1 | P+2.25% | $469K | Q1 2018 |
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