GOOD
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.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
488
2010–2026
Total Volume
$274M
Gross loan amounts
States Active
29
With recorded loans
Programs
7(a) & 504
488 total segments
Southern Bank has a strong focus on existing businesses, with 38% of their deals supporting established companies. This could be beneficial if you're looking to expand an already operational business.
With an average 7(a) spread of P+2.62%, Southern Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of the loan.
Southern Bank has a diverse portfolio with 10% of their SBA deals being 504 loans, which is lower than the national average of ~18%. If you're seeking a 504 loan, consider that they may not be as specialized in this area.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 49 504 loans, which use fixed SBA debenture rates.
Top 15 of 29 states where Southern Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Personal Care (Salons, Spas)
Other Services
Retail Trade
Retail Trade
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Southern Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 12 | P+2.75% | $88K | Q4 2025 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 12 | P+2.75% | $75K | Q3 2024 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 10 | P+2.75% | $267K | Q2 2025 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 10 | P+2.75% | $92K | Q3 2024 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 8 | P+2.75% | $265K | Q1 2020 |
| Missouri · Miscellaneous Retail · Under $150K | 7(a) | 8 | P+2.63% | $70K | Q4 2025 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 8 | P+2.75% | $79K | Q3 2023 |
| Missouri · Retail Trade · Under $150K | 7(a) | 8 | P+2.75% | $78K | Q2 2023 |
| Missouri · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 8 | P+2.75% | $268K | Q1 2025 |
| Missouri · Restaurants & Food Service · $1M – $2M | 7(a) | 7 | P+2.75% | $1.3M | Q3 2021 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 6 | P+2.63% | $61K | Q4 2023 |
| Missouri · Manufacturing · $350K – $500K | 7(a) | 5 | P+2.75% | $406K | Q2 2021 |
| Missouri · Other Repair & Services · Under $150K | 7(a) | 5 | P+2.75% | $92K | Q3 2025 |
| Missouri · Wholesale Trade · Under $150K | 7(a) | 5 | P+2.75% | $104K | Q2 2024 |
| Missouri · Manufacturing · $1M – $2M | 7(a) | 4 | P+2.58% | $1.4M | Q3 2017 |
| Missouri · Specialty Trade Contractors · $1M – $2M | 7(a) | 4 | P+2.75% | $1.3M | Q4 2017 |
| Missouri · Specialty Trade Contractors · $500K – $1M | 7(a) | 4 | P+2.75% | $636K | Q4 2021 |
| Missouri · Restaurants & Food Service · $500K – $1M | 7(a) | 4 | P+2.75% | $755K | Q3 2018 |
| Missouri · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 4 | P+2.25% | $286K | Q3 2018 |
| Missouri · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+3.13% | $82K | Q4 2025 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.75% | $289K | Q3 2024 |
| Missouri · Auto Repair & Maintenance · $500K – $1M | 7(a) | 4 | P+2.75% | $659K | Q1 2022 |
| Kansas · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.75% | $240K | Q2 2015 |
| Kansas · Retail Trade · $1M – $2M | 7(a) | 3 | P+2.25% | $1.5M | Q4 2015 |
| Missouri · Restaurants & Food Service · $2M – $5M | 7(a) | 3 | P+1.75% | $2.5M | Q3 2017 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with Southern Bank.
No reviews yet. Be the first to review Southern Bank.