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
123
2010–2026
Total Volume
$78M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
123 total segments
With a 39% share of 504 loans, Middlefield Banking Company is a strong choice for borrowers looking for real estate financing, significantly above the national average of ~18%.
The average deal size of $630,311 suggests that Middlefield is well-suited for mid-sized projects, making it a good fit for borrowers seeking amounts in the $500K-$1M range.
Middlefield's 175% year-over-year growth indicates a rapidly expanding lending capacity, which could mean more favorable terms and increased willingness to finance new projects.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 48 504 loans, which use fixed SBA debenture rates.
States where The Middlefield Banking 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
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Real Estate
Real Estate
Retail Trade
Retail Trade
Social Assistance
Health Care & Social Assistance
Personal Care (Salons, Spas)
Other Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for The Middlefield Banking Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 9 | P+2.00% | $275K | Q4 2024 |
| Ohio · Manufacturing · $150K – $350K | 504 | 5 | — | $259K | Q3 2021 |
| Ohio · Restaurants & Food Service · Under $150K | 504 | 4 | — | $107K | Q1 2021 |
| Ohio · Restaurants & Food Service · $500K – $1M | 504 | 4 | — | $627K | Q3 2025 |
| Ohio · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.75% | $720K | Q2 2019 |
| Ohio · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.75% | $446K | Q3 2016 |
| Ohio · Manufacturing · $500K – $1M | 504 | 3 | — | $784K | Q3 2025 |
| Ohio · Hotels & Accommodation · $2M – $5M | 504 | 3 | — | $3.1M | Q4 2015 |
| Ohio · Manufacturing · Under $150K | 7(a) | 3 | P+2.00% | $88K | Q4 2016 |
| Ohio · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.25% | $750K | Q3 2016 |
| Ohio · Hotels & Accommodation · $500K – $1M | 7(a) | 2 | P+2.38% | $934K | Q2 2018 |
| Ohio · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.75% | $133K | Q3 2010 |
| Ohio · Personal Care (Salons, Spas) · $500K – $1M | 7(a) | 2 | P+1.13% | $683K | Q4 2025 |
| Ohio · Agriculture & Forestry · $1M – $2M | 7(a) | 2 | P+2.00% | $1.2M | Q3 2017 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 2 | P+0.75% | $300K | Q2 2018 |
| Ohio · Manufacturing · $1M – $2M | 7(a) | 2 | P+2.13% | $1.7M | Q1 2013 |
| Ohio · Manufacturing · $2M – $5M | 7(a) | 2 | P+1.00% | $2.8M | Q3 2019 |
| Ohio · Manufacturing · $350K – $500K | 7(a) | 2 | P+1.75% | $433K | Q3 2025 |
| Ohio · Retail Trade · Under $150K | 7(a) | 2 | P+2.50% | $105K | Q4 2013 |
| Ohio · Real Estate · $150K – $350K | 7(a) | 2 | P+2.13% | $216K | Q3 2016 |
| Ohio · Real Estate · $350K – $500K | 7(a) | 2 | P+2.13% | $438K | Q2 2017 |
| Ohio · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $230K | Q3 2024 |
| Ohio · Finance & Insurance · $150K – $350K | 504 | 2 | — | $207K | Q1 2022 |
| Ohio · Agriculture & Forestry · $150K – $350K | 7(a) | 1 | P+2.00% | $250K | Q3 2017 |
| Ohio · Retail Trade · $1M – $2M | 504 | 1 | — | $1.7M | Q4 2023 |
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