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
317
2010–2025
Total Volume
$118M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
317 total segments
Peoples National Bank has a strong focus on existing businesses, with 54% of their deals supporting established companies. This could be beneficial if you're looking to expand or refinance an existing operation.
With an average 7(a) spread of P+1.82%, Peoples National Bank offers competitive pricing compared to the national median of P+2.75%. This can lead to significant savings over the life of your loan.
Although Peoples National Bank has a minimal 504 presence at 7%, they still provide options for real estate financing. If your project involves property, it's worth discussing their 504 offerings.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 23 504 loans, which use fixed SBA debenture rates.
States where Peoples National Bank National Association has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Retail Trade
Retail Trade
Other Repair & Services
Other Services
Nursing & Residential Care
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Peoples National Bank National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 14 | P+2.00% | $287K | Q3 2022 |
| Illinois · Manufacturing · Under $150K | 7(a) | 12 | P+2.25% | $96K | Q3 2023 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 10 | P+2.00% | $97K | Q3 2025 |
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 8 | P+1.38% | $221K | Q2 2024 |
| Illinois · Wholesale Trade · Under $150K | 7(a) | 8 | P+2.73% | $71K | Q1 2018 |
| Illinois · Wholesale Trade · $150K – $350K | 7(a) | 7 | P+2.25% | $284K | Q2 2021 |
| Illinois · Administrative & Waste Services · Under $150K | 7(a) | 7 | P+2.00% | $67K | Q4 2019 |
| Illinois · Retail Trade · Under $150K | 7(a) | 6 | P+1.75% | $58K | Q3 2021 |
| Missouri · Other Repair & Services · Under $150K | 7(a) | 6 | P+2.17% | $69K | Q3 2016 |
| Illinois · General Merchandise · Under $150K | 7(a) | 6 | P+3.25% | $44K | Q2 2021 |
| Missouri · Restaurants & Food Service · $350K – $500K | 7(a) | 6 | P+1.88% | $426K | Q2 2025 |
| Illinois · Transportation & Warehousing · Under $150K | 7(a) | 5 | P+2.75% | $79K | Q1 2022 |
| Illinois · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+2.00% | $107K | Q3 2021 |
| Illinois · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.75% | $73K | Q3 2018 |
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.75% | $87K | Q4 2021 |
| Illinois · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+1.25% | $667K | Q2 2024 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.50% | $88K | Q2 2018 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 4 | P+1.54% | $279K | Q4 2021 |
| Illinois · Transportation & Warehousing · $150K – $350K | 7(a) | 4 | P+1.88% | $259K | Q4 2020 |
| Illinois · Manufacturing · $150K – $350K | 7(a) | 4 | P+1.63% | $313K | Q2 2020 |
| Illinois · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+2.75% | $112K | Q1 2018 |
| Illinois · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+1.75% | $42K | Q2 2016 |
| Illinois · Social Assistance · Under $150K | 7(a) | 3 | P+1.00% | $94K | Q3 2022 |
| Missouri · Management & IT Consulting · Under $150K | 7(a) | 3 | P+1.75% | $120K | Q1 2022 |
| Illinois · Other Repair & Services · Under $150K | 7(a) | 3 | P+2.75% | $45K | Q2 2013 |
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