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
151
2010–2026
Total Volume
$57M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
151 total segments
The Stephenson National Bank and Trust has a strong focus on smaller deals, with 66% of their SBA loans under $150K. This could be beneficial if you're looking for a smaller loan amount.
With an average 7(a) spread of P+1.79%, 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 bank has a minimal 504 presence, with only 4% of their deals being 504 loans. If you're considering a real estate-heavy project, you may want to explore other lenders with a stronger 504 offering.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where The Stephenson National Bank and Trust has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Hotels & Accommodation
Accommodation & Food Services
Retail Trade
Retail Trade
Food & Beverage Stores
Retail Trade
Wholesale Trade
Wholesale Trade
Building Construction
Construction
+ 7 more
All recorded SBA lending activity for The Stephenson National Bank and Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Arts, Entertainment & Recreation · Under $150K | 7(a) | 8 | P+2.00% | $60K | Q1 2024 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.25% | $88K | Q4 2025 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.00% | $250K | Q2 2022 |
| Wisconsin · Manufacturing · Under $150K | 7(a) | 5 | P+2.00% | $76K | Q2 2023 |
| Wisconsin · Building Construction · $150K – $350K | 7(a) | 4 | P+1.88% | $273K | Q1 2020 |
| Michigan · Retail Trade · Under $150K | 7(a) | 4 | P+2.75% | $52K | Q1 2016 |
| Wisconsin · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+1.75% | $71K | Q1 2022 |
| Wisconsin · Hotels & Accommodation · $500K – $1M | 7(a) | 3 | P+1.50% | $672K | Q3 2018 |
| Wisconsin · Manufacturing · $350K – $500K | 7(a) | 3 | P+0.25% | $411K | Q3 2023 |
| Wisconsin · Wholesale Trade · $500K – $1M | 7(a) | 3 | P+2.50% | $916K | Q1 2013 |
| Wisconsin · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.25% | $95K | Q1 2015 |
| Wisconsin · Building Construction · Under $150K | 7(a) | 3 | P+1.00% | $105K | Q4 2018 |
| Wisconsin · Real Estate · $150K – $350K | 7(a) | 2 | P+1.38% | $286K | Q1 2023 |
| Wisconsin · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.63% | $250K | Q1 2014 |
| Michigan · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.25% | $25K | Q2 2015 |
| Wisconsin · Auto Repair & Maintenance · $150K – $350K | 7(a) | 2 | P+2.00% | $190K | Q2 2022 |
| Wisconsin · Miscellaneous Retail · $350K – $500K | 7(a) | 2 | P+0.50% | $463K | Q3 2025 |
| Wisconsin · Hotels & Accommodation · Under $150K | 7(a) | 2 | P+1.88% | $130K | Q1 2021 |
| Michigan · Manufacturing · Under $150K | 7(a) | 2 | P+2.38% | $113K | Q3 2013 |
| Wisconsin · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+1.25% | $101K | Q4 2024 |
| Wisconsin · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.13% | $78K | Q3 2022 |
| Wisconsin · Manufacturing · $1M – $2M | 7(a) | 2 | P+1.75% | $1.6M | Q4 2021 |
| Wisconsin · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+1.88% | $271K | Q1 2014 |
| Wisconsin · Manufacturing · $500K – $1M | 7(a) | 2 | P+1.88% | $664K | Q2 2015 |
| Wisconsin · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.75% | $50K | Q2 2013 |
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