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
139
2010–2026
Total Volume
$96M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
139 total segments
Peoples Bank of Alabama has a notable 34% share of 504 loans, significantly higher than the national average of around 18%. This indicates a strong focus on real estate financing, which may benefit borrowers looking to purchase property or expand their facilities.
The average deal size at Peoples Bank is $690,375, with a significant portion of their deals (43) falling in the $150K-$350K range. This suggests they are well-suited for borrowers seeking mid-sized loans, particularly in industries like manufacturing and food service.
Peoples Bank is experiencing a decline in lending activity, with a 55% drop in year-over-year deals. This trend may indicate a tightening of lending criteria, making it potentially more challenging for new borrowers to secure loans compared to previous years.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 47 504 loans, which use fixed SBA debenture rates.
States where Peoples Bank of Alabama has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Agriculture & Forestry
Agriculture & Forestry
Food & Beverage Stores
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Peoples Bank of Alabama, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Alabama · Administrative & Waste Services · $150K – $350K | 7(a) | 7 | P+1.25% | $210K | Q4 2023 |
| Alabama · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.75% | $253K | Q2 2017 |
| Alabama · Manufacturing · $150K – $350K | 504 | 5 | — | $268K | Q3 2023 |
| Alabama · Manufacturing · $500K – $1M | 504 | 4 | — | $732K | Q4 2022 |
| Alabama · Agriculture & Forestry · $500K – $1M | 7(a) | 4 | P+2.50% | $667K | Q3 2014 |
| Alabama · Food & Beverage Stores · $500K – $1M | 7(a) | 3 | P+1.50% | $738K | Q4 2021 |
| Alabama · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+1.25% | $144K | Q1 2024 |
| Alabama · Agriculture & Forestry · $2M – $5M | 7(a) | 3 | P+2.75% | $2.3M | Q1 2017 |
| Alabama · Physician & Dental Offices · $2M – $5M | 7(a) | 3 | P+1.75% | $2.2M | Q4 2020 |
| Alabama · Food & Beverage Stores · $1M – $2M | 7(a) | 3 | P+2.50% | $1.2M | Q3 2017 |
| Alabama · Transportation & Warehousing · $1M – $2M | 504 | 2 | — | $1.4M | Q1 2023 |
| Alabama · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 2 | P+1.25% | $893K | Q4 2016 |
| Alabama · Auto Dealers & Parts · $500K – $1M | 7(a) | 2 | P+2.50% | $699K | Q2 2018 |
| Alabama · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+1.75% | $140K | Q1 2024 |
| Alabama · Real Estate · $350K – $500K | 7(a) | 2 | P+2.75% | $420K | Q1 2017 |
| Alabama · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.50% | $213K | Q4 2021 |
| Alabama · Building Construction · $350K – $500K | 7(a) | 2 | P+1.63% | $419K | Q4 2023 |
| Alabama · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.13% | $434K | Q2 2021 |
| Alabama · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.38% | $128K | Q2 2019 |
| Alabama · Arts, Entertainment & Recreation · Under $150K | 504 | 2 | — | $124K | Q4 2020 |
| Alabama · Auto Repair & Maintenance · $500K – $1M | 7(a) | 2 | P+1.13% | $621K | Q4 2023 |
| Alabama · Other Health Practitioners · Under $150K | 7(a) | 2 | P+3.00% | $113K | Q2 2021 |
| Alabama · Hotels & Accommodation · $2M – $5M | 504 | 2 | — | $3.5M | Q1 2025 |
| Alabama · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.75% | $275K | Q4 2020 |
| Alabama · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+1.88% | $220K | Q4 2022 |
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