STRONG
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.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
2,621
2010–2026
Total Volume
$1.6B
Gross loan amounts
States Active
35
With recorded loans
Programs
7(a) & 504
2621 total segments
Peoples Bank has a strong focus on existing businesses, with 48% 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+2.04%, Peoples Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money over the life of your loan.
Despite a diverse portfolio, Peoples Bank's growth trend is concerning, showing a 16% decline year-over-year in deal volume. This may indicate a tightening of lending standards, so be prepared for a potentially rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 412 504 loans, which use fixed SBA debenture rates.
Top 15 of 35 states where Peoples Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Agriculture & Forestry
Agriculture & Forestry
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Peoples Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Mississippi · Agriculture & Forestry · Under $150K | 7(a) | 155 | P+3.30% | $45K | Q2 2025 |
| Mississippi · Transportation & Warehousing · Under $150K | 7(a) | 92 | P+2.50% | $68K | Q3 2025 |
| Mississippi · Specialty Trade Contractors · Under $150K | 7(a) | 43 | P+2.25% | $69K | Q3 2025 |
| Ohio · Restaurants & Food Service · Under $150K | 7(a) | 38 | P+2.50% | $75K | Q1 2024 |
| Mississippi · Agriculture & Forestry · $150K – $350K | 7(a) | 28 | P+2.25% | $250K | Q2 2024 |
| Mississippi · Restaurants & Food Service · Under $150K | 7(a) | 27 | P+3.00% | $83K | Q2 2025 |
| Mississippi · Transportation & Warehousing · $150K – $350K | 7(a) | 27 | P+2.00% | $243K | Q3 2025 |
| Ohio · Manufacturing · Under $150K | 7(a) | 20 | P+2.25% | $91K | Q1 2022 |
| Texas · Hotels & Accommodation · $2M – $5M | 7(a) | 19 | P+1.75% | $3.7M | Q3 2024 |
| Mississippi · Hotels & Accommodation · $1M – $2M | 7(a) | 18 | P+2.00% | $1.7M | Q1 2023 |
| Washington · Restaurants & Food Service · Under $150K | 7(a) | 18 | P+2.25% | $72K | Q2 2022 |
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 17 | P+2.50% | $258K | Q3 2022 |
| Mississippi · Administrative & Waste Services · Under $150K | 7(a) | 16 | P+2.63% | $63K | Q3 2025 |
| Indiana · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+2.00% | $67K | Q2 2022 |
| North Carolina · Hotels & Accommodation · $2M – $5M | 7(a) | 16 | P+1.75% | $3.8M | Q2 2025 |
| Ohio · Restaurants & Food Service · $350K – $500K | 7(a) | 15 | P+2.50% | $406K | Q3 2023 |
| Ohio · Administrative & Waste Services · Under $150K | 7(a) | 15 | P+2.00% | $64K | Q2 2024 |
| Indiana · Personal Care (Salons, Spas) · Under $150K | 7(a) | 13 | P+1.75% | $69K | Q4 2024 |
| Ohio · Other Health Practitioners · Under $150K | 7(a) | 13 | P+2.00% | $74K | Q3 2025 |
| Mississippi · Manufacturing · Under $150K | 7(a) | 13 | P+2.75% | $59K | Q4 2023 |
| Mississippi · Wholesale Trade · Under $150K | 7(a) | 13 | P+2.02% | $72K | Q3 2024 |
| Mississippi · Hotels & Accommodation · $2M – $5M | 7(a) | 13 | P+2.00% | $3.2M | Q1 2023 |
| Mississippi · Restaurants & Food Service · $150K – $350K | 7(a) | 13 | P+2.38% | $295K | Q4 2024 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 13 | P+2.00% | $270K | Q3 2021 |
| Washington · Specialty Trade Contractors · Under $150K | 7(a) | 12 | P+2.00% | $84K | Q1 2025 |
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