GOOD
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.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
117
2010–2026
Total Volume
$94M
Gross loan amounts
States Active
25
With recorded loans
Programs
7(a) & 504
117 total segments
With 54% of their deals being 504 loans, The Western State Bank is a strong choice for borrowers looking for real estate financing, which is uncommon among lenders.
The average deal size of $805,206 suggests that The Western State Bank is well-suited for mid-sized businesses, particularly those seeking funding between $150K and $1M.
Despite a significant volume of 504 loans, the bank has seen a -27% decline in deals year-over-year, indicating potential challenges in securing funding from them in the future.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 63 504 loans, which use fixed SBA debenture rates.
Top 15 of 25 states where THE WESTERN STATE BANK has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Auto Repair & Maintenance
Other Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Other Repair & Services
Other Services
Other Professional Services
Professional Services
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for THE WESTERN STATE BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.75% | $288K | Q1 2024 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.75% | $346K | Q4 2022 |
| Arizona · Auto Repair & Maintenance · $500K – $1M | 504 | 3 | — | $730K | Q3 2024 |
| Arizona · Specialty Trade Contractors · $150K – $350K | 504 | 3 | — | $303K | Q1 2024 |
| Indiana · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 2 | P+2.75% | $545K | Q4 2024 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.38% | $263K | Q1 2023 |
| South Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.75% | $201K | Q3 2022 |
| North Dakota · Specialty Trade Contractors · $350K – $500K | 504 | 2 | — | $412K | Q2 2021 |
| Arizona · Auto Repair & Maintenance · $1M – $2M | 504 | 2 | — | $1.4M | Q1 2021 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.75% | $326K | Q4 2021 |
| Wisconsin · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.50% | $463K | Q2 2022 |
| North Dakota · Other Professional Services · $350K – $500K | 504 | 2 | — | $444K | Q2 2021 |
| Arizona · Specialty Trade Contractors · $500K – $1M | 504 | 2 | — | $690K | Q1 2024 |
| Arizona · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $251K | Q1 2022 |
| North Dakota · Wholesale Trade · Under $150K | 504 | 1 | — | $144K | Q2 2023 |
| North Dakota · Real Estate · $1M – $2M | 504 | 1 | — | $1.6M | Q3 2011 |
| North Dakota · Heavy & Civil Engineering · $500K – $1M | 504 | 1 | — | $766K | Q1 2021 |
| Arizona · Manufacturing · $350K – $500K | 504 | 1 | — | $419K | Q4 2021 |
| North Dakota · Retail Trade · $150K – $350K | 504 | 1 | — | $233K | Q3 2013 |
| Arizona · Food & Beverage Stores · $1M – $2M | 504 | 1 | — | $1.7M | Q2 2024 |
| North Dakota · Miscellaneous Retail · $150K – $350K | 504 | 1 | — | $277K | Q3 2025 |
| Arizona · Auto Dealers & Parts · $500K – $1M | 504 | 1 | — | $783K | Q4 2020 |
| North Dakota · Personal Care (Salons, Spas) · $150K – $350K | 504 | 1 | — | $166K | Q1 2022 |
| Arizona · Manufacturing · $1M – $2M | 504 | 1 | — | $1.7M | Q1 2021 |
| Arizona · Administrative & Waste Services · $150K – $350K | 504 | 1 | — | $311K | Q3 2019 |
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Real experiences from borrowers who closed SBA loans with THE WESTERN STATE BANK.
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