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
107
2010–2025
Total Volume
$45M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
107 total segments
First State Community Bank has a strong focus on existing businesses, with 58% of their deals supporting established companies. This could be beneficial if you're looking to expand or upgrade an existing business.
With an average 7(a) spread of P+2.04%, First State Community Bank 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 bank has shown impressive growth, doubling their SBA deal count year-over-year. This upward trend suggests they are actively looking to lend, which could improve your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 22 504 loans, which use fixed SBA debenture rates.
States where First State Community Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Retail Trade
Retail Trade
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Food & Beverage Stores
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for First State Community Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.75% | $68K | Q3 2022 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 7(a) | 5 | P+2.26% | $244K | Q1 2025 |
| Missouri · Wholesale Trade · $150K – $350K | 7(a) | 4 | P+2.19% | $203K | Q2 2016 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+3.00% | $35K | Q4 2014 |
| Missouri · Specialty Trade Contractors · $350K – $500K | 7(a) | 4 | P+2.25% | $412K | Q1 2025 |
| Missouri · Retail Trade · Under $150K | 7(a) | 4 | P+2.00% | $79K | Q4 2017 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+3.00% | $45K | Q3 2016 |
| Missouri · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.75% | $257K | Q2 2015 |
| Missouri · Utilities · Under $150K | 7(a) | 3 | P+2.00% | $60K | Q1 2014 |
| Missouri · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+2.88% | $68K | Q3 2011 |
| Missouri · Restaurants & Food Service · $350K – $500K | 504 | 2 | — | $415K | Q4 2011 |
| Missouri · Manufacturing · $500K – $1M | 504 | 2 | — | $761K | Q1 2018 |
| Missouri · Retail Trade · $2M – $5M | 7(a) | 2 | P+0.13% | $2.4M | Q4 2019 |
| Missouri · Other Services · $500K – $1M | 7(a) | 2 | P+0.56% | $609K | Q1 2023 |
| Missouri · Manufacturing · $1M – $2M | 7(a) | 2 | P+1.75% | $1.5M | Q1 2012 |
| Missouri · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+2.25% | $205K | Q3 2015 |
| Missouri · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+0.57% | $835K | Q1 2025 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+2.13% | $67K | Q3 2015 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.25% | $248K | Q2 2021 |
| Missouri · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+1.82% | $253K | Q2 2021 |
| Missouri · Manufacturing · Under $150K | 7(a) | 2 | P+3.00% | $115K | Q3 2010 |
| Missouri · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.88% | $125K | Q3 2014 |
| Missouri · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $245K | Q2 2012 |
| Missouri · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 1 | P+2.00% | $350K | Q2 2014 |
| Missouri · Other Services · Under $150K | 7(a) | 1 | P+2.75% | $80K | Q4 2009 |
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