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
447
2010–2026
Total Volume
$173M
Gross loan amounts
States Active
23
With recorded loans
Programs
7(a) & 504
447 total segments
First State Bank Nebraska has a strong focus on 7(a) loans, with 436 out of 447 total deals in this category, indicating they primarily serve businesses looking for working capital or general financing. This makes them a good fit for borrowers needing flexible funding options.
The bank's average 7(a) spread of P+1.57% is significantly lower than the national median of ~P+2.75%. This competitive pricing can save borrowers money over the life of their loans, making First State Bank Nebraska an attractive option for those seeking affordable financing.
Despite their strong performance in 7(a) lending, First State Bank Nebraska has seen a decline in their overall loan volume, with a -31% year-over-year drop. This trend may suggest they are tightening their lending criteria, which could impact approval chances for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 11 504 loans, which use fixed SBA debenture rates.
Top 15 of 23 states where First State Bank Nebraska has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Finance & Insurance
Finance & Insurance
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Agriculture & Forestry
Agriculture & Forestry
Transportation & Warehousing
Transportation & Warehousing
Other Health Practitioners
Health Care & Social Assistance
Auto Dealers & Parts
Retail Trade
+ 7 more
All recorded SBA lending activity for First State Bank Nebraska, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Nebraska · Specialty Trade Contractors · Under $150K | 7(a) | 30 | P+1.50% | $66K | Q2 2024 |
| Nebraska · Restaurants & Food Service · Under $150K | 7(a) | 26 | P+2.00% | $52K | Q1 2024 |
| Nebraska · Transportation & Warehousing · Under $150K | 7(a) | 20 | P+2.00% | $72K | Q1 2023 |
| Nebraska · Manufacturing · Under $150K | 7(a) | 20 | P+1.75% | $88K | Q3 2025 |
| Nebraska · Agriculture & Forestry · Under $150K | 7(a) | 18 | P+1.00% | $81K | Q1 2025 |
| Nebraska · Other Health Practitioners · Under $150K | 7(a) | 16 | P+1.88% | $53K | Q4 2025 |
| Nebraska · Agriculture & Forestry · $2M – $5M | 7(a) | 10 | P+1.10% | $3.3M | Q2 2025 |
| Nebraska · Administrative & Waste Services · Under $150K | 7(a) | 9 | P+1.25% | $64K | Q3 2025 |
| Nebraska · Arts, Entertainment & Recreation · Under $150K | 7(a) | 9 | P+2.75% | $73K | Q4 2025 |
| Nebraska · Manufacturing · $150K – $350K | 7(a) | 8 | P+1.25% | $290K | Q1 2025 |
| Nebraska · Physician & Dental Offices · Under $150K | 7(a) | 8 | P+1.88% | $77K | Q3 2023 |
| Nebraska · Auto Dealers & Parts · Under $150K | 7(a) | 8 | P+2.00% | $46K | Q1 2021 |
| Nebraska · Other Repair & Services · Under $150K | 7(a) | 8 | P+1.63% | $62K | Q1 2025 |
| Nebraska · Specialty Trade Contractors · $150K – $350K | 7(a) | 7 | P+1.00% | $281K | Q2 2024 |
| Nebraska · Miscellaneous Retail · Under $150K | 7(a) | 7 | P+1.00% | $68K | Q4 2024 |
| Nebraska · Manufacturing · $500K – $1M | 7(a) | 7 | P+1.50% | $680K | Q3 2025 |
| Nebraska · Auto Repair & Maintenance · Under $150K | 7(a) | 7 | P+2.45% | $54K | Q2 2019 |
| Nebraska · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+1.50% | $239K | Q2 2023 |
| Nebraska · Food & Beverage Stores · Under $150K | 7(a) | 7 | P+2.25% | $58K | Q4 2023 |
| Nebraska · Finance & Insurance · Under $150K | 7(a) | 7 | P+2.25% | $95K | Q4 2023 |
| Nebraska · Retail Trade · Under $150K | 7(a) | 6 | P+1.38% | $50K | Q4 2017 |
| Nebraska · Personal Care (Salons, Spas) · Under $150K | 7(a) | 6 | P+2.38% | $33K | Q3 2022 |
| Nebraska · Heavy & Civil Engineering · Under $150K | 7(a) | 6 | P+2.25% | $56K | Q3 2020 |
| Nebraska · Transportation & Warehousing · $150K – $350K | 7(a) | 6 | P+1.00% | $203K | Q2 2023 |
| Nebraska · Building Construction · Under $150K | 7(a) | 5 | P+2.75% | $57K | Q2 2024 |
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