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
119
2010–2026
Total Volume
$79M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
119 total segments
Peoples Bank & Trust has a strong focus on existing businesses, with 72% of their deals supporting established companies. This makes them a good fit if you're looking to expand or refinance an existing operation.
With an average 7(a) spread of P+1.52%, Peoples Bank & Trust offers competitive pricing compared to the national median of ~P+2.75%. This could save you money on interest over the life of your loan.
The lender's growth trend shows a significant decline of 38% year-over-year in deal volume. This may indicate a tightening of lending criteria, so be prepared for a potentially more rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 14 504 loans, which use fixed SBA debenture rates.
States where Peoples Bank & Trust has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Heavy & Civil Engineering
Construction
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Peoples Bank & Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Transportation & Warehousing · Under $150K | 7(a) | 12 | P+1.25% | $85K | Q4 2024 |
| Illinois · Transportation & Warehousing · $150K – $350K | 7(a) | 10 | P+1.25% | $256K | Q3 2024 |
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.13% | $224K | Q3 2020 |
| Illinois · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+1.88% | $102K | Q3 2024 |
| Illinois · Transportation & Warehousing · $500K – $1M | 7(a) | 4 | P+2.13% | $865K | Q3 2024 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+0.62% | $267K | Q1 2025 |
| Illinois · Specialty Trade Contractors · $350K – $500K | 7(a) | 3 | P+1.00% | $402K | Q2 2025 |
| Illinois · Administrative & Waste Services · $350K – $500K | 7(a) | 3 | P+1.75% | $450K | Q4 2024 |
| Illinois · Transportation & Warehousing · $350K – $500K | 7(a) | 3 | P+2.25% | $419K | Q3 2021 |
| Illinois · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+1.18% | $4.4M | Q1 2022 |
| Illinois · Hotels & Accommodation · $500K – $1M | 7(a) | 2 | P+1.86% | $775K | Q3 2020 |
| Indiana · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.25% | $714K | Q4 2012 |
| Illinois · Wholesale Trade · Under $150K | 7(a) | 2 | P+0.45% | $68K | Q1 2024 |
| Illinois · Transportation & Warehousing · $1M – $2M | 7(a) | 2 | P+1.75% | $1.2M | Q1 2018 |
| Georgia · Retail Trade · $1M – $2M | 7(a) | 2 | P+1.00% | $1.4M | Q4 2023 |
| Illinois · Real Estate · Under $150K | 7(a) | 2 | P+1.38% | $76K | Q2 2023 |
| Illinois · Heavy & Civil Engineering · Under $150K | 7(a) | 2 | P+1.63% | $47K | Q3 2021 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+0.88% | $50K | Q1 2025 |
| Illinois · Manufacturing · Under $150K | 7(a) | 2 | P+2.25% | $114K | Q3 2025 |
| Illinois · Nursing & Residential Care · $1M – $2M | 504 | 2 | — | $1.2M | Q1 2012 |
| Illinois · Agriculture & Forestry · Under $150K | 7(a) | 1 | P+2.25% | $103K | Q3 2020 |
| Illinois · Manufacturing · $150K – $350K | 7(a) | 1 | P+2.25% | $220K | Q3 2025 |
| Illinois · Manufacturing · $2M – $5M | 7(a) | 1 | P+2.50% | $5.0M | Q1 2020 |
| Illinois · Manufacturing · $350K – $500K | 7(a) | 1 | P+1.50% | $395K | Q4 2017 |
| Illinois · Wholesale Trade · $500K – $1M | 7(a) | 1 | P+1.75% | $576K | Q2 2013 |
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Real experiences from borrowers who closed SBA loans with Peoples Bank & Trust.
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