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
2010–2025
Total Volume
$27M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
122 total segments
The Paducah Bank and Trust Company has a strong focus on smaller deals, with 68% of their transactions under $150K. This makes them a good fit for startups or small businesses looking for lower loan amounts.
With an average 7(a) spread of P+2.15%, Paducah Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Although Paducah Bank has a 9% share of 504 loans, which is lower than the national average, they still offer these loans. If you're considering real estate financing, it's worth discussing your options with them.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 11 504 loans, which use fixed SBA debenture rates.
States where The Paducah 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
Manufacturing
Manufacturing
Social Assistance
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Retail Trade
Retail Trade
General Merchandise
Retail Trade
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for The Paducah Bank and Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kentucky · Restaurants & Food Service · Under $150K | 7(a) | 15 | P+2.50% | $70K | Q1 2021 |
| Kentucky · Specialty Trade Contractors · Under $150K | 7(a) | 13 | P+2.75% | $74K | Q4 2024 |
| Kentucky · Arts, Entertainment & Recreation · Under $150K | 7(a) | 6 | P+2.88% | $72K | Q2 2015 |
| Kentucky · Manufacturing · Under $150K | 7(a) | 5 | P+2.75% | $56K | Q4 2013 |
| Kentucky · Social Assistance · Under $150K | 7(a) | 5 | P+3.25% | $49K | Q4 2014 |
| Kentucky · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.25% | $294K | Q1 2021 |
| Kentucky · General Merchandise · Under $150K | 7(a) | 3 | P+2.50% | $51K | Q3 2015 |
| Kentucky · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+2.00% | $71K | Q1 2016 |
| Kentucky · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+2.75% | $39K | Q3 2013 |
| Kentucky · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.25% | $24K | Q1 2015 |
| Kentucky · Auto Repair & Maintenance · $150K – $350K | 7(a) | 3 | P+2.70% | $250K | Q4 2011 |
| Kentucky · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+1.85% | $59K | Q3 2017 |
| Kentucky · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+0.88% | $283K | Q3 2020 |
| Kentucky · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+2.50% | $73K | Q3 2013 |
| Kentucky · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+1.80% | $315K | Q1 2025 |
| Kentucky · Social Assistance · Under $150K | 504 | 2 | — | $113K | Q3 2014 |
| Kentucky · Other Professional Services · $150K – $350K | 7(a) | 2 | P+0.75% | $226K | Q2 2023 |
| Illinois · Retail Trade · Under $150K | 7(a) | 2 | P+2.50% | $100K | Q2 2015 |
| Kentucky · Management & IT Consulting · Under $150K | 7(a) | 2 | P+2.38% | $110K | Q3 2016 |
| Kentucky · Nursing & Residential Care · $2M – $5M | 504 | 2 | — | $3.9M | Q1 2020 |
| Kentucky · Education · Under $150K | 7(a) | 2 | P+1.38% | $23K | Q4 2016 |
| Kentucky · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.50% | $297K | Q2 2012 |
| Kentucky · Retail Trade · $150K – $350K | 7(a) | 1 | P+2.25% | $164K | Q2 2015 |
| Kentucky · Retail Trade · $500K – $1M | 7(a) | 1 | P+2.75% | $771K | Q3 2011 |
| Kentucky · Transportation & Warehousing · Under $150K | 7(a) | 1 | P+2.25% | $26K | Q2 2012 |
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