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
260
2010–2026
Total Volume
$141M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
259 total segments
The State Bank and Trust Company has a strong focus on existing businesses, with 51% of their deals serving this purpose. This could be beneficial if you're looking to acquire or expand an established business.
With an average 7(a) spread of P+2.12%, this lender 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.
The lender's growth trend shows a significant decline of 59% year-over-year in deal volume, which may indicate a tightening of lending standards. This could impact your chances of approval, especially if you're a first-time borrower.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 40 504 loans, which use fixed SBA debenture rates.
States where The State Bank and Trust Company has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Real Estate
Real Estate
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Wholesale Trade
Wholesale Trade
Retail Trade
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for The State Bank and Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Indiana · Restaurants & Food Service · $150K – $350K | 7(a) | 8 | P+2.00% | $233K | Q2 2024 |
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.50% | $233K | Q2 2023 |
| Ohio · Real Estate · Under $150K | 7(a) | 6 | P+2.13% | $90K | Q2 2017 |
| Ohio · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+2.38% | $95K | Q3 2023 |
| Ohio · General Merchandise · Under $150K | 7(a) | 5 | P+2.75% | $78K | Q3 2017 |
| Ohio · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.75% | $95K | Q4 2015 |
| Ohio · Transportation & Warehousing · Under $150K | 7(a) | 5 | P+2.50% | $140K | Q2 2024 |
| Indiana · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+1.25% | $443K | Q3 2025 |
| Ohio · Retail Trade · $500K – $1M | 7(a) | 4 | P+1.75% | $679K | Q1 2023 |
| Ohio · Real Estate · $1M – $2M | 7(a) | 4 | P+2.25% | $1.6M | Q4 2019 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 4 | P+2.50% | $254K | Q1 2021 |
| Ohio · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+2.75% | $88K | Q3 2023 |
| Ohio · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+2.25% | $435K | Q2 2024 |
| Ohio · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.63% | $279K | Q4 2024 |
| Ohio · Administrative & Waste Services · $150K – $350K | 7(a) | 3 | P+2.75% | $199K | Q2 2021 |
| Indiana · Wholesale Trade · $350K – $500K | 7(a) | 3 | P+1.75% | $458K | Q1 2023 |
| Ohio · Transportation & Warehousing · $350K – $500K | 7(a) | 3 | P+2.50% | $414K | Q2 2024 |
| Indiana · Real Estate · Under $150K | 7(a) | 3 | P+2.75% | $109K | Q3 2023 |
| Indiana · Restaurants & Food Service · $1M – $2M | 7(a) | 3 | P+-0.51% | $1.1M | Q2 2024 |
| Ohio · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.00% | $232K | Q1 2023 |
| Indiana · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+0.74% | $586K | Q2 2024 |
| Indiana · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+2.75% | $100K | Q1 2015 |
| Indiana · Accounting & Tax · Under $150K | 7(a) | 2 | P+2.38% | $138K | Q4 2017 |
| Indiana · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.75% | $51K | Q3 2017 |
| Indiana · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.38% | $260K | Q1 2023 |
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Real experiences from borrowers who closed SBA loans with The State Bank and Trust Company.
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