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
150
2010–2025
Total Volume
$143M
Gross loan amounts
States Active
10
With recorded loans
Programs
7(a) & 504
150 total segments
Peoples Bank and Trust Company has a notable presence in the 504 loan market, with 13% of their SBA deals being 504 loans, slightly below the national average of 18%. This indicates they can support both real estate and equipment financing, which is beneficial for businesses looking to expand or purchase property.
The average deal size at Peoples Bank and Trust is $956,393, with a significant portion (38 deals) falling between $150K-$350K. If your financing needs align with this range, you may find this lender particularly accommodating.
Peoples Bank and Trust Company has experienced a 40% decline in year-over-year deal volume, indicating a potential tightening in their lending capacity. Borrowers should be prepared for a more competitive application process as the lender may be more selective.
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 Peoples Bank and Trust Company has recorded SBA lending activity.
+ 5 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Auto Repair & Maintenance
Other Services
Gas Stations
Retail Trade
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Peoples Bank and Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kansas · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.75% | $242K | Q3 2012 |
| Oklahoma · Hotels & Accommodation · $2M – $5M | 7(a) | 3 | P+1.50% | $3.5M | Q3 2018 |
| Oklahoma · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.50% | $242K | Q4 2022 |
| Oklahoma · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.75% | $298K | Q2 2020 |
| Oklahoma · Wholesale Trade · $150K – $350K | 7(a) | 3 | P+2.00% | $314K | Q4 2019 |
| Oklahoma · Hotels & Accommodation · $1M – $2M | 7(a) | 2 | P+1.50% | $1.6M | Q3 2019 |
| Oklahoma · Real Estate · $500K – $1M | 7(a) | 2 | P+1.50% | $661K | Q2 2021 |
| Oklahoma · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.38% | $95K | Q1 2022 |
| Oklahoma · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+2.50% | $104K | Q2 2014 |
| Kansas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.63% | $120K | Q3 2020 |
| Oklahoma · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+1.75% | $119K | Q2 2019 |
| Texas · Gas Stations · $2M – $5M | 7(a) | 2 | P+2.25% | $4.5M | Q1 2017 |
| Texas · Social Assistance · $1M – $2M | 7(a) | 2 | P+1.75% | $1.5M | Q3 2024 |
| Oklahoma · Auto Repair & Maintenance · $1M – $2M | 7(a) | 2 | P+1.38% | $1.5M | Q3 2020 |
| Arkansas · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.63% | $91K | Q1 2021 |
| Kansas · Heavy & Civil Engineering · $500K – $1M | 7(a) | 2 | P+1.25% | $792K | Q3 2017 |
| Oklahoma · Gas Stations · $1M – $2M | 7(a) | 2 | P+2.13% | $1.4M | Q2 2017 |
| Kansas · Manufacturing · Under $150K | 7(a) | 2 | P+1.88% | $137K | Q3 2021 |
| Kansas · General Merchandise · Under $150K | 7(a) | 2 | P+3.25% | $47K | Q4 2010 |
| Kansas · Hotels & Accommodation · $1M – $2M | 7(a) | 2 | P+1.88% | $1.5M | Q2 2020 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.38% | $186K | Q4 2014 |
| Oklahoma · Transportation & Warehousing · $2M – $5M | 7(a) | 2 | P+1.00% | $4.4M | Q3 2024 |
| Kansas · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+2.13% | $95K | Q2 2022 |
| Kansas · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+-0.05% | $750K | Q1 2025 |
| Kansas · Auto Repair & Maintenance · $500K – $1M | 7(a) | 1 | P+4.50% | $505K | Q1 2010 |
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