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
93
2010–2025
Total Volume
$65M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
93 total segments
FMS Bank has a strong focus on existing businesses, with 54% of their deals serving this purpose. This makes them a solid choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+1.63%, FMS Bank offers competitive pricing compared to the national median of P+2.75%. This can lead to significant savings over the life of your loan.
FMS Bank's 20% share of 504 loans indicates a balanced approach to lending, making them suitable for borrowers interested in real estate or equipment financing, alongside traditional business loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 19 504 loans, which use fixed SBA debenture rates.
States where FMS Bank has recorded SBA lending activity.
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
Auto Repair & Maintenance
Other Services
Mining & Oil/Gas
Mining & Oil/Gas
Administrative & Waste Services
Administrative & Waste Services
Auto Dealers & Parts
Retail Trade
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for FMS Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Colorado · Mining & Oil/Gas · $1M – $2M | 7(a) | 4 | P+1.00% | $1.4M | Q3 2024 |
| Colorado · Manufacturing · $500K – $1M | 7(a) | 4 | P+1.63% | $673K | Q3 2023 |
| Colorado · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.75% | $116K | Q1 2018 |
| Colorado · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+2.00% | $312K | Q2 2021 |
| Colorado · Manufacturing · $150K – $350K | 7(a) | 3 | P+1.75% | $230K | Q3 2025 |
| Colorado · Specialty Trade Contractors · $500K – $1M | 7(a) | 3 | P+1.50% | $802K | Q1 2025 |
| Colorado · Manufacturing · $1M – $2M | 7(a) | 2 | P+2.75% | $1.4M | Q3 2015 |
| Colorado · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.75% | $91K | Q2 2014 |
| Colorado · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.63% | $230K | Q2 2016 |
| Colorado · Auto Dealers & Parts · $150K – $350K | 7(a) | 2 | P+2.88% | $270K | Q2 2018 |
| Wyoming · Administrative & Waste Services · $500K – $1M | 7(a) | 2 | P+-1.50% | $777K | Q1 2025 |
| Colorado · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.00% | $147K | Q4 2024 |
| Colorado · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.75% | $275K | Q1 2025 |
| Colorado · Management & IT Consulting · Under $150K | 7(a) | 1 | P+2.00% | $150K | Q2 2025 |
| Colorado · Other Professional Services · $150K – $350K | 7(a) | 1 | P+2.00% | $250K | Q3 2024 |
| Colorado · Other Professional Services · $500K – $1M | 7(a) | 1 | P+-1.50% | $993K | Q3 2024 |
| Colorado · Hotels & Accommodation · $500K – $1M | 7(a) | 1 | P+2.75% | $554K | Q1 2013 |
| Colorado · Restaurants & Food Service · $1M – $2M | 7(a) | 1 | P+1.25% | $1.6M | Q2 2025 |
| Colorado · Restaurants & Food Service · $350K – $500K | 7(a) | 1 | P+1.75% | $411K | Q1 2022 |
| Colorado · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+1.50% | $512K | Q2 2025 |
| Colorado · Auto Repair & Maintenance · $150K – $350K | 7(a) | 1 | P+1.50% | $320K | Q4 2024 |
| Colorado · Auto Repair & Maintenance · $2M – $5M | 7(a) | 1 | P+-1.75% | $4.7M | Q3 2023 |
| Colorado · Auto Repair & Maintenance · $350K – $500K | 7(a) | 1 | P+1.75% | $417K | Q3 2022 |
| Colorado · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+1.50% | $135K | Q3 2020 |
| Colorado · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+2.00% | $250K | Q3 2022 |
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