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
153
2010–2025
Total Volume
$59M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
153 total segments
Legacy Bank & Trust Company has a strong focus on startups, with 48% of their deals going to new businesses. This is higher than the national average, making them a good option for first-time borrowers.
The bank offers competitive pricing with an average 7(a) spread of P+1.93%, which is significantly lower than the national median of ~P+2.75%. This could save you money on interest over the life of your loan.
This lender is almost exclusively 7(a), with only 6 deals (4% of total) going through the 504 program. If you specifically need 504 financing for real estate or equipment, look for lenders with a stronger 504 track record.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where Legacy Bank & Trust Company 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
Auto Repair & Maintenance
Other Services
Other Repair & Services
Other Services
Real Estate
Real Estate
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Auto Dealers & Parts
Retail Trade
+ 7 more
All recorded SBA lending activity for Legacy Bank & Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 7 | P+2.75% | $46K | Q2 2023 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+1.75% | $213K | Q2 2022 |
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+1.25% | $73K | Q1 2022 |
| Missouri · Real Estate · Under $150K | 7(a) | 5 | P+2.25% | $99K | Q4 2022 |
| Missouri · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+2.75% | $89K | Q2 2024 |
| Missouri · Wholesale Trade · Under $150K | 7(a) | 4 | P+2.38% | $111K | Q4 2020 |
| Missouri · Auto Repair & Maintenance · $150K – $350K | 7(a) | 4 | P+2.75% | $199K | Q4 2021 |
| Missouri · Other Repair & Services · Under $150K | 7(a) | 3 | P+2.00% | $91K | Q4 2022 |
| Missouri · Other Repair & Services · $150K – $350K | 7(a) | 3 | P+2.75% | $236K | Q4 2022 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+1.75% | $253K | Q2 2023 |
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.75% | $105K | Q3 2022 |
| Missouri · Manufacturing · Under $150K | 7(a) | 3 | P+2.00% | $52K | Q3 2020 |
| Missouri · Auto Repair & Maintenance · $350K – $500K | 7(a) | 3 | P+2.50% | $478K | Q4 2021 |
| Florida · Hotels & Accommodation · $350K – $500K | 7(a) | 2 | P+0.75% | $439K | Q2 2020 |
| Missouri · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+2.38% | $621K | Q1 2022 |
| Missouri · Building Construction · Under $150K | 7(a) | 2 | P+2.00% | $73K | Q4 2019 |
| Missouri · Building Construction · $150K – $350K | 7(a) | 2 | P+1.88% | $205K | Q4 2019 |
| Missouri · Building Construction · $500K – $1M | 7(a) | 2 | P+2.50% | $641K | Q3 2021 |
| Missouri · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+2.75% | $136K | Q2 2022 |
| Missouri · Auto Dealers & Parts · $150K – $350K | 7(a) | 2 | P+2.00% | $216K | Q2 2022 |
| Missouri · Auto Dealers & Parts · $350K – $500K | 7(a) | 2 | P+2.38% | $472K | Q1 2022 |
| Missouri · Gas Stations · Under $150K | 7(a) | 2 | P+2.75% | $122K | Q4 2021 |
| Missouri · General Merchandise · Under $150K | 7(a) | 2 | P+2.25% | $28K | Q2 2014 |
| Missouri · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+1.88% | $38K | Q3 2022 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.13% | $96K | Q3 2021 |
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Real experiences from borrowers who closed SBA loans with Legacy Bank & Trust Company.
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