GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
3,896
2010–2026
Total Volume
$854M
Gross loan amounts
States Active
50
Incl. DC & territories
Programs
7(a) & 504
3894 total segments
Five Star Bank focuses heavily on existing businesses, with 85% of their deals serving this purpose. This makes them a strong choice for established companies looking for financing.
With an average 7(a) spread of P+2.60%, Five Star 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.
Five Star Bank's deal volume has dropped by 50% year-over-year, indicating a potential tightening in their lending. This trend may affect your chances of approval, especially if they continue to scale back.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 123 504 loans, which use fixed SBA debenture rates.
Top 15 of 51 states where Five Star Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Management & IT Consulting
Professional Services
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Wholesale Trade
Wholesale Trade
Building Construction
Construction
+ 7 more
All recorded SBA lending activity for Five Star Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 179 | P+2.00% | $43K | Q4 2025 |
| New York · Restaurants & Food Service · Under $150K | 7(a) | 165 | P+2.00% | $39K | Q2 2025 |
| New York · Manufacturing · Under $150K | 7(a) | 144 | P+2.00% | $50K | Q2 2025 |
| New York · Building Construction · Under $150K | 7(a) | 122 | P+2.00% | $39K | Q2 2025 |
| New York · Transportation & Warehousing · Under $150K | 7(a) | 121 | P+2.00% | $42K | Q3 2025 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 86 | P+2.00% | $38K | Q3 2025 |
| New York · Wholesale Trade · Under $150K | 7(a) | 83 | P+2.00% | $54K | Q3 2025 |
| New York · Auto Repair & Maintenance · Under $150K | 7(a) | 66 | P+2.00% | $36K | Q1 2025 |
| New York · Agriculture & Forestry · Under $150K | 7(a) | 57 | P+2.00% | $37K | Q2 2025 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 52 | P+2.00% | $52K | Q2 2025 |
| New York · Retail Trade · Under $150K | 7(a) | 46 | P+2.00% | $40K | Q3 2024 |
| New York · Real Estate · Under $150K | 7(a) | 41 | P+2.00% | $36K | Q4 2024 |
| California · Management & IT Consulting · $150K – $350K | 7(a) | 36 | P+2.75% | $309K | Q2 2023 |
| New York · Other Repair & Services · Under $150K | 7(a) | 36 | P+1.75% | $32K | Q3 2025 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 32 | P+1.88% | $54K | Q1 2025 |
| New York · Management & IT Consulting · Under $150K | 7(a) | 30 | P+2.00% | $66K | Q2 2025 |
| New York · Manufacturing · $150K – $350K | 7(a) | 30 | P+1.78% | $260K | Q4 2024 |
| New York · Other Health Practitioners · Under $150K | 7(a) | 29 | P+2.00% | $43K | Q4 2024 |
| New York · Miscellaneous Retail · Under $150K | 7(a) | 26 | P+2.00% | $40K | Q3 2025 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 25 | P+2.75% | $305K | Q1 2023 |
| New York · Engineering & Architecture · Under $150K | 7(a) | 25 | P+2.00% | $42K | Q1 2025 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 25 | P+2.75% | $263K | Q4 2024 |
| California · Manufacturing · $150K – $350K | 7(a) | 24 | P+2.75% | $302K | Q1 2023 |
| California · Other Professional Services · $150K – $350K | 7(a) | 23 | P+2.75% | $295K | Q4 2022 |
| New York · Finance & Insurance · Under $150K | 7(a) | 22 | P+2.00% | $48K | Q4 2024 |
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