STRONG
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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,082
2010–2026
Total Volume
$350M
Gross loan amounts
States Active
12
With recorded loans
Programs
7(a) & 504
1082 total segments
The Central Trust Bank has a strong focus on existing businesses, with 61% of their deals serving this purpose. This makes them a suitable choice for established companies looking for financing.
With an average 7(a) spread of P+2.06%, The Central Trust Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest costs for borrowers.
Despite a 19% share of 504 loans, The Central Trust Bank's overall volume has declined by 24% year-over-year. This trend may indicate a tightening of lending standards, making it crucial for borrowers to present strong applications.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 209 504 loans, which use fixed SBA debenture rates.
States where The Central Trust Bank has recorded SBA lending activity.
+ 7 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
Administrative & Waste Services
Administrative & Waste Services
Other Repair & Services
Other Services
Social Assistance
Health Care & Social Assistance
Personal Care (Salons, Spas)
Other Services
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for The Central Trust 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) | 62 | P+2.75% | $83K | Q2 2025 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 37 | P+2.00% | $243K | Q4 2025 |
| Missouri · Personal Care (Salons, Spas) · Under $150K | 7(a) | 30 | P+2.63% | $66K | Q2 2025 |
| Missouri · Social Assistance · Under $150K | 7(a) | 28 | P+2.75% | $60K | Q1 2025 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 25 | P+2.00% | $83K | Q3 2025 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 24 | P+2.75% | $82K | Q3 2025 |
| Missouri · Other Repair & Services · Under $150K | 7(a) | 21 | P+2.25% | $61K | Q1 2025 |
| Missouri · Manufacturing · Under $150K | 7(a) | 20 | P+2.75% | $61K | Q4 2023 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 18 | P+2.13% | $73K | Q1 2025 |
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 18 | P+2.50% | $56K | Q4 2024 |
| Missouri · Retail Trade · Under $150K | 7(a) | 17 | P+2.25% | $79K | Q3 2021 |
| Missouri · Miscellaneous Retail · Under $150K | 7(a) | 16 | P+3.25% | $45K | Q3 2025 |
| Missouri · Food & Beverage Stores · Under $150K | 7(a) | 15 | P+3.00% | $74K | Q4 2024 |
| Kansas · Restaurants & Food Service · Under $150K | 7(a) | 13 | P+2.75% | $71K | Q3 2015 |
| Missouri · General Merchandise · Under $150K | 7(a) | 12 | P+1.75% | $63K | Q3 2021 |
| Missouri · Restaurants & Food Service · $350K – $500K | 7(a) | 12 | P+1.25% | $422K | Q4 2025 |
| Missouri · Real Estate · Under $150K | 7(a) | 12 | P+2.00% | $86K | Q2 2023 |
| Missouri · Wholesale Trade · Under $150K | 7(a) | 12 | P+2.50% | $88K | Q2 2024 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 11 | P+2.50% | $76K | Q3 2023 |
| Missouri · Restaurants & Food Service · $150K – $350K | 504 | 11 | — | $236K | Q2 2025 |
| Missouri · Legal Services · Under $150K | 7(a) | 10 | P+2.13% | $63K | Q3 2024 |
| Kansas · Manufacturing · Under $150K | 7(a) | 10 | P+2.63% | $89K | Q2 2020 |
| Missouri · Education · Under $150K | 7(a) | 10 | P+2.60% | $45K | Q3 2024 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 10 | P+2.00% | $234K | Q1 2023 |
| Missouri · Restaurants & Food Service · $500K – $1M | 504 | 9 | — | $794K | Q4 2019 |
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