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
219
2010–2026
Total Volume
$108M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
219 total segments
Peoples Security Bank and Trust Company has a strong focus on existing businesses, with 60% 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+1.36%, Peoples Security Bank 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 decline of 25% year-over-year in deal volume, which may indicate a tightening of lending criteria. If you're considering applying, be prepared for potentially more scrutiny during the approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 40 504 loans, which use fixed SBA debenture rates.
States where Peoples Security Bank and Trust Company has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
Other Health Practitioners
Health Care & Social Assistance
Retail Trade
Retail Trade
Real Estate
Real Estate
Social Assistance
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Peoples Security Bank and Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 16 | P+2.00% | $238K | Q1 2024 |
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+2.00% | $97K | Q1 2020 |
| Pennsylvania · Restaurants & Food Service · $350K – $500K | 7(a) | 8 | P+1.75% | $435K | Q2 2023 |
| Pennsylvania · Personal Care (Salons, Spas) · Under $150K | 7(a) | 7 | P+1.50% | $82K | Q3 2024 |
| Pennsylvania · Retail Trade · Under $150K | 7(a) | 7 | P+0.75% | $53K | Q3 2019 |
| Pennsylvania · Arts, Entertainment & Recreation · Under $150K | 7(a) | 7 | P+2.00% | $49K | Q4 2017 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 6 | P+1.00% | $89K | Q4 2018 |
| Pennsylvania · Manufacturing · $500K – $1M | 7(a) | 5 | P+2.25% | $767K | Q3 2017 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 5 | P+1.25% | $227K | Q1 2024 |
| Pennsylvania · Other Health Practitioners · Under $150K | 7(a) | 5 | P+1.00% | $121K | Q4 2021 |
| Pennsylvania · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+1.00% | $79K | Q3 2017 |
| Pennsylvania · Restaurants & Food Service · $1M – $2M | 504 | 4 | — | $1.1M | Q4 2024 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+1.75% | $111K | Q2 2014 |
| Pennsylvania · Building Construction · Under $150K | 7(a) | 4 | P+0.63% | $100K | Q1 2016 |
| Pennsylvania · Social Assistance · Under $150K | 7(a) | 3 | P+1.00% | $68K | Q3 2020 |
| Pennsylvania · Real Estate · $500K – $1M | 504 | 3 | — | $770K | Q4 2015 |
| Pennsylvania · Wholesale Trade · Under $150K | 7(a) | 3 | P+0.75% | $133K | Q1 2018 |
| Pennsylvania · Other Professional Services · $150K – $350K | 7(a) | 3 | P+0.75% | $269K | Q3 2019 |
| Pennsylvania · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $312K | Q2 2022 |
| Pennsylvania · Other Professional Services · $350K – $500K | 7(a) | 2 | P+1.50% | $450K | Q2 2024 |
| Pennsylvania · Utilities · Under $150K | 7(a) | 2 | P+1.62% | $43K | Q2 2016 |
| Pennsylvania · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $547K | Q2 2019 |
| Pennsylvania · Engineering & Architecture · $150K – $350K | 504 | 2 | — | $318K | Q3 2024 |
| Pennsylvania · Social Assistance · $150K – $350K | 7(a) | 2 | P+0.75% | $235K | Q4 2024 |
| Pennsylvania · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+1.63% | $101K | Q1 2022 |
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Real experiences from borrowers who closed SBA loans with Peoples Security Bank and Trust Company.
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