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
202
2011–2026
Total Volume
$40M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
202 total segments
PS Bank has a strong focus on existing businesses, with 55% of their deals serving this purpose. This makes them a good choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+0.89%, PS Bank offers competitive pricing compared to the national median of ~P+2.75%. This could save you significantly on interest payments over the life of your loan.
Although PS Bank has a minimal 504 presence at 7%, they still provide a balanced mix of both 7(a) and 504 loans. If you're considering a real estate purchase, it's worth discussing your options with them.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 15 504 loans, which use fixed SBA debenture rates.
States where PS Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Agriculture & Forestry
Agriculture & Forestry
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for PS Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Transportation & Warehousing · Under $150K | 7(a) | 18 | P+1.00% | $68K | Q2 2025 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 13 | P+1.00% | $48K | Q2 2025 |
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 13 | P+1.00% | $62K | Q2 2025 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 11 | P+1.00% | $48K | Q4 2025 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 9 | P+1.00% | $75K | Q2 2025 |
| Pennsylvania · Wholesale Trade · Under $150K | 7(a) | 9 | P+1.50% | $80K | Q4 2024 |
| Pennsylvania · Mining & Oil/Gas · Under $150K | 7(a) | 6 | P+0.75% | $53K | Q1 2024 |
| Pennsylvania · Transportation & Warehousing · $150K – $350K | 7(a) | 6 | P+0.00% | $247K | Q3 2025 |
| Pennsylvania · Auto Repair & Maintenance · Under $150K | 7(a) | 6 | P+2.00% | $40K | Q2 2024 |
| Pennsylvania · Other Professional Services · Under $150K | 7(a) | 5 | P+1.50% | $79K | Q3 2024 |
| Pennsylvania · Building Construction · Under $150K | 7(a) | 5 | P+1.00% | $50K | Q4 2023 |
| Pennsylvania · Agriculture & Forestry · Under $150K | 7(a) | 5 | P+1.50% | $32K | Q1 2025 |
| Pennsylvania · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+1.00% | $46K | Q4 2023 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 4 | P+0.75% | $259K | Q2 2024 |
| Pennsylvania · Other Health Practitioners · Under $150K | 7(a) | 4 | P+1.00% | $53K | Q1 2025 |
| Pennsylvania · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+1.00% | $30K | Q1 2025 |
| New York · Agriculture & Forestry · Under $150K | 7(a) | 3 | P+1.00% | $57K | Q1 2023 |
| Pennsylvania · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+0.00% | $273K | Q4 2023 |
| Pennsylvania · Management & IT Consulting · $150K – $350K | 7(a) | 3 | P+0.75% | $215K | Q3 2024 |
| Pennsylvania · Finance & Insurance · Under $150K | 7(a) | 3 | P+1.00% | $83K | Q4 2024 |
| Pennsylvania · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+0.25% | $82K | Q1 2024 |
| Pennsylvania · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+0.50% | $27K | Q1 2024 |
| Pennsylvania · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+0.70% | $634K | Q3 2025 |
| Pennsylvania · Other Repair & Services · Under $150K | 7(a) | 3 | P+1.00% | $99K | Q3 2025 |
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+0.50% | $210K | Q3 2025 |
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