GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
5,155
2010–2026
Total Volume
$2.1B
Gross loan amounts
States Active
50
Incl. DC & territories
Programs
7(a) & 504
5155 total segments
Stearns Bank primarily focuses on 7(a) loans, with 99% of their deals in this category. If you're looking for a 504 loan, consider other lenders as they have minimal 504 presence.
The average deal size at Stearns Bank is $406,666, which is substantial. If your financing needs are below $150K, you may find better options elsewhere, as they have a strong focus on larger loans.
Stearns Bank has seen a 17% decline in year-over-year lending activity, indicating a potential tightening of their lending criteria. This trend could make it more challenging for new borrowers to secure loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 54 504 loans, which use fixed SBA debenture rates.
Top 15 of 51 states where Stearns Bank National Association 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
Personal Care (Salons, Spas)
Other Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for Stearns Bank National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 84 | P+2.75% | $287K | Q3 2025 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 71 | P+2.75% | $278K | Q1 2025 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 54 | P+2.75% | $286K | Q4 2023 |
| Arizona · Restaurants & Food Service · $150K – $350K | 7(a) | 38 | P+2.75% | $296K | Q4 2019 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 37 | P+2.75% | $126K | Q1 2023 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 35 | P+2.75% | $125K | Q4 2024 |
| Texas · Administrative & Waste Services · Under $150K | 7(a) | 34 | P+2.75% | $110K | Q4 2019 |
| Texas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 33 | P+2.75% | $133K | Q2 2025 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 29 | P+2.75% | $255K | Q1 2023 |
| California · Personal Care (Salons, Spas) · Under $150K | 7(a) | 29 | P+2.75% | $120K | Q4 2019 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 28 | P+2.75% | $109K | Q4 2024 |
| Texas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 28 | P+2.75% | $131K | Q1 2025 |
| Texas · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 27 | P+2.75% | $248K | Q4 2019 |
| South Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 26 | P+2.75% | $255K | Q4 2019 |
| California · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 26 | P+2.75% | $272K | Q3 2024 |
| California · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 25 | P+2.75% | $242K | Q3 2021 |
| Florida · Personal Care (Salons, Spas) · Under $150K | 7(a) | 25 | P+2.75% | $119K | Q2 2025 |
| Florida · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 24 | P+2.75% | $254K | Q1 2020 |
| Florida · Restaurants & Food Service · Under $150K | 7(a) | 23 | P+2.75% | $119K | Q4 2024 |
| Florida · Administrative & Waste Services · Under $150K | 7(a) | 23 | P+2.75% | $120K | Q1 2024 |
| Arizona · Personal Care (Salons, Spas) · Under $150K | 7(a) | 22 | P+2.75% | $119K | Q2 2019 |
| Texas · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 21 | P+2.75% | $285K | Q2 2022 |
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 20 | P+2.75% | $288K | Q1 2024 |
| Florida · Arts, Entertainment & Recreation · Under $150K | 7(a) | 20 | P+2.75% | $131K | Q1 2020 |
| California · Arts, Entertainment & Recreation · Under $150K | 7(a) | 20 | P+2.75% | $135K | Q1 2020 |
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Real experiences from borrowers who closed SBA loans with Stearns Bank National Association.
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