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
95
2011–2025
Total Volume
$62M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
95 total segments
Plains Commerce Bank is a strong option for borrowers seeking 504 loans, as 76% of their SBA deals are 504, significantly higher than the national average of 18%. This indicates a robust focus on real estate financing, making them ideal for businesses looking to acquire property or equipment.
With an average 7(a) spread of P+2.20%, Plains Commerce Bank offers competitive pricing compared to the national median of P+2.75%. This lower spread can save borrowers money on interest over the life of their loan, making it a financially attractive option.
The bank primarily serves existing businesses, with 80% of their deals focused on this segment. If you are a startup or looking to acquire a business, you may find limited options here, as only 16% of their loans support startups and just 4% are for acquisitions.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 72 504 loans, which use fixed SBA debenture rates.
States where PLAINS COMMERCE BANK has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Agriculture & Forestry
Agriculture & Forestry
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Gas Stations
Retail Trade
Social Assistance
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for PLAINS COMMERCE BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| South Dakota · Hotels & Accommodation · $500K – $1M | 504 | 4 | — | $668K | Q2 2024 |
| South Dakota · Agriculture & Forestry · $500K – $1M | 504 | 4 | — | $765K | Q2 2025 |
| South Dakota · Agriculture & Forestry · $1M – $2M | 504 | 4 | — | $1.4M | Q4 2021 |
| South Dakota · Agriculture & Forestry · Under $150K | 504 | 3 | — | $113K | Q1 2025 |
| South Dakota · Gas Stations · $150K – $350K | 504 | 3 | — | $274K | Q3 2020 |
| North Dakota · Social Assistance · Under $150K | 7(a) | 3 | P+1.50% | $80K | Q4 2017 |
| South Dakota · Manufacturing · $150K – $350K | 7(a) | 3 | P+0.75% | $295K | Q2 2023 |
| South Dakota · Agriculture & Forestry · $150K – $350K | 504 | 2 | — | $199K | Q1 2023 |
| South Dakota · Management & IT Consulting · Under $150K | 7(a) | 2 | P+3.50% | $76K | Q3 2012 |
| South Dakota · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.75% | $114K | Q2 2018 |
| South Dakota · Hotels & Accommodation · $350K – $500K | 504 | 2 | — | $376K | Q3 2025 |
| South Dakota · Manufacturing · Under $150K | 7(a) | 2 | P+1.35% | $133K | Q2 2023 |
| South Dakota · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+3.25% | $23K | Q3 2012 |
| South Dakota · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $223K | Q4 2023 |
| South Dakota · Wholesale Trade · $500K – $1M | 504 | 2 | — | $600K | Q4 2024 |
| South Dakota · Manufacturing · $150K – $350K | 504 | 2 | — | $315K | Q2 2024 |
| South Dakota · Specialty Trade Contractors · Under $150K | 504 | 2 | — | $111K | Q1 2021 |
| South Dakota · Restaurants & Food Service · Under $150K | 504 | 2 | — | $98K | Q3 2015 |
| South Dakota · Manufacturing · $500K – $1M | 504 | 2 | — | $688K | Q1 2022 |
| South Dakota · Administrative & Waste Services · Under $150K | 504 | 2 | — | $138K | Q4 2021 |
| South Dakota · Manufacturing · $1M – $2M | 504 | 2 | — | $1.7M | Q1 2022 |
| North Dakota · Restaurants & Food Service · Under $150K | 504 | 1 | — | $70K | Q4 2018 |
| Texas · Hotels & Accommodation · $1M – $2M | 504 | 1 | — | $1.3M | Q3 2014 |
| South Dakota · Real Estate · $150K – $350K | 504 | 1 | — | $170K | Q4 2020 |
| North Dakota · Hotels & Accommodation · $2M – $5M | 504 | 1 | — | $2.6M | Q4 2012 |
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Real experiences from borrowers who closed SBA loans with PLAINS COMMERCE BANK.
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