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
473
2010–2026
Total Volume
$128M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
473 total segments
Southern Bank and Trust Company has a strong focus on existing businesses, with 74% of their deals supporting established companies. This may benefit borrowers looking to expand or refinance their operations.
With a 27% share of 504 loans, Southern Bank and Trust Company is more active in this program than the national average of 18%. This is advantageous for borrowers needing real estate financing.
The average deal size at Southern Bank and Trust Company is $270,637, with a significant number of deals (254) under $150K. If you're seeking a larger loan, you might find better options elsewhere.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 129 504 loans, which use fixed SBA debenture rates.
States where Southern 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
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Agriculture & Forestry
Agriculture & Forestry
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Southern Bank and Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| North Carolina · Transportation & Warehousing · Under $150K | 7(a) | 21 | P+2.25% | $40K | Q3 2024 |
| North Carolina · Restaurants & Food Service · Under $150K | 7(a) | 21 | P+1.50% | $64K | Q1 2017 |
| North Carolina · Administrative & Waste Services · Under $150K | 7(a) | 18 | P+1.37% | $55K | Q1 2025 |
| North Carolina · Physician & Dental Offices · Under $150K | 7(a) | 14 | P+0.50% | $91K | Q1 2025 |
| North Carolina · Agriculture & Forestry · Under $150K | 7(a) | 14 | P+1.63% | $77K | Q4 2019 |
| North Carolina · General Merchandise · Under $150K | 7(a) | 11 | P+1.75% | $61K | Q3 2018 |
| North Carolina · Retail Trade · Under $150K | 7(a) | 10 | P+1.13% | $92K | Q2 2020 |
| North Carolina · Manufacturing · Under $150K | 7(a) | 10 | P+1.75% | $65K | Q3 2017 |
| North Carolina · Auto Repair & Maintenance · Under $150K | 7(a) | 10 | P+1.13% | $87K | Q4 2025 |
| North Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 10 | P+1.43% | $266K | Q1 2021 |
| North Carolina · Other Repair & Services · Under $150K | 7(a) | 10 | P+1.10% | $81K | Q4 2020 |
| North Carolina · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+1.75% | $55K | Q3 2019 |
| North Carolina · Building Construction · Under $150K | 7(a) | 8 | P+1.13% | $54K | Q1 2023 |
| North Carolina · Auto Repair & Maintenance · $150K – $350K | 7(a) | 7 | P+1.25% | $291K | Q2 2020 |
| North Carolina · Manufacturing · $150K – $350K | 7(a) | 7 | P+0.50% | $241K | Q3 2025 |
| North Carolina · Real Estate · $150K – $350K | 7(a) | 7 | P+0.25% | $256K | Q3 2020 |
| North Carolina · Physician & Dental Offices · $150K – $350K | 7(a) | 7 | P+0.25% | $250K | Q2 2023 |
| Virginia · Specialty Trade Contractors · $150K – $350K | 504 | 7 | — | $209K | Q3 2025 |
| North Carolina · Food & Beverage Stores · Under $150K | 7(a) | 7 | P+1.25% | $45K | Q2 2020 |
| North Carolina · Arts, Entertainment & Recreation · Under $150K | 7(a) | 7 | P+1.75% | $80K | Q3 2017 |
| North Carolina · Specialty Trade Contractors · $150K – $350K | 7(a) | 5 | P+0.95% | $298K | Q3 2022 |
| North Carolina · Other Health Practitioners · Under $150K | 7(a) | 5 | P+0.25% | $60K | Q3 2024 |
| North Carolina · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+2.00% | $40K | Q1 2019 |
| North Carolina · Physician & Dental Offices · $350K – $500K | 7(a) | 5 | P+0.04% | $466K | Q1 2025 |
| North Carolina · Retail Trade · $150K – $350K | 7(a) | 5 | P+0.50% | $198K | Q2 2019 |
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