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County10th of 92 in Illinois by approvalsFIPS 17163
SBA loans in St. Clair County, Illinois
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in St. Clair County, Illinois, received 170 SBA loan approvals worth $83.9M in FY2021 to FY2025 (151 7(a), 19 504).
That is 34.2 approvals per 1,000 business establishments (4,973 establishments in 2023), close to the Illinois figure of 38.5 and below the national 41.0.
It ranks 10th of 92 Illinois counties with approvals. In FY2025 there were 34, up 55% on FY2024.
57 lenders had approvals here; the most active were Bank of Belleville (24), Small Business Growth Corporation (17) and First Mid Bank & Trust, National Association (12). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in St. Clair County
By number of approvals to businesses in the county, FY2021–FY2025; 57 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Bank of BellevilleBelleville, IL | 24 | $12.3M | 14.1% | |
| 2 | Small Business Growth CorporationSpringfield, IL · CDC | 17 | $13.7M | 10.0% | |
| 3 | First Mid Bank & Trust, National AssociationMattoon, IL | 12 | $2.2M | 7.1% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 11 | $1.1M | 6.5% | |
| 5 | The Huntington National BankColumbus, OH | 10 | $3.6M | 5.9% | |
| 6 | The First National Bank of WaterlooWaterloo, IL | 10 | $1.0M | 5.9% | |
| 7 | The Bank of HoustonHouston, MO | 6 | $5.8M | 3.5% | |
| 8 | Bank of SpringfieldSpringfield, IL | 4 | $1.4M | 2.4% | |
| 9 | Northeast BankLewiston, ME | 4 | $623K | 2.4% | |
| 10 | United Midwest Savings Bank National AssociationDe Graff, OH | 4 | $590K | 2.4% | |
| 11 | St. Louis BankSt. Louis, MO | 3 | $1.7M | 1.8% | |
| 12 | Associated Bank National AssociationGreen Bay, WI | 3 | $1.1M | 1.8% | |
| 13 | Scott Credit UnionEdwardsville, IL | 3 | $548K | 1.8% | |
| 14 | Justine Petersen Housing & Reinvestment CorporationSt. Louis, MO | 3 | $348K | 1.8% | |
| 15 | Commerce BankKansas City, MO | 3 | $236K | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 27 | 15.9% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 7 | 4.1% | |
| 3 | Grocery StoresNAICS 4451 | 6 | 3.5% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 3.5% | |
| 5 | General Freight TruckingNAICS 4841 | 6 | 3.5% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 6 | 3.5% | |
| 7 | Traveler AccommodationNAICS 7211 | 4 | 2.4% | |
| 8 | Residential Building ConstructionNAICS 2361 | 4 | 2.4% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 4 | 2.4% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 4 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 32 | 18.8% | |
| 2 | Retail Trade | 24 | 14.1% | |
| 3 | Manufacturing | 17 | 10.0% | |
| 4 | Other Services (except Public Administration) | 17 | 10.0% | |
| 5 | Construction | 17 | 10.0% | |
| 6 | Professional, Scientific, and Technical Services | 13 | 7.6% | |
| 7 | Health Care and Social Assistance | 11 | 6.5% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 9 | 5.3% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 13 | $5.6M | $200K | 1 | — | 14 | 87 |
| FY2025 | 30 | $18.3M | $192K | 4 | $4.3M | 34 | 323 |
| FY2024 | 21 | $7.3M | $266K | 1 | — | 22 | 221 |
| FY2023 | 26 | $9.5M | $278K | 1 | — | 27 | 298 |
| FY2022 | 35 | $16.8M | $225K | 4 | $1.5M | 39 | 503 |
| FY2021 | 39 | $17.3M | $233K | 9 | $5.8M | 48 | 555 |
| FY2020 | 26 | $10.0M | $188K | 5 | $5.3M | 31 | 299 |
| FY2019 | 13 | $2.9M | $200K | 1 | — | 14 | 104 |
| FY2018 | 30 | $12.7M | $195K | 2 | — | 32 | 309 |
| FY2017 | 50 | $16.8M | $118K | 4 | $6.2M | 54 | 640 |
| FY2016 | 21 | $9.1M | $150K | 3 | $1.0M | 24 | 162 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 155 approvals.
Against Illinois and the country
| FY2021–FY2025 | St. Clair County | Illinois | United States |
|---|---|---|---|
| Approvals | 170 | 12,417 | 342,825 |
| Approvals per 1,000 establishments | 34.2 | 38.5 | 41.0 |
| Median 7(a) approval | $250K | $200K | $190K |
| Median 504 approval | $506K | $578K | $657K |
| Average approval | $494K | $581K | $573K |
| 504 share of approvals | 11.2% | 14.2% | 11.0% |
| Jobs supported per approval, as reported | 11.2 | 11.4 | 10.5 |
| Share of state approvals | 1.4% | 100.0% | — |
Approval sizes
- $50,000 or less17.6%30
- $50,001 to $150,00016.5%28
- $150,001 to $350,00028.2%48
- $350,001 to $1 million23.5%40
- $1 million to $2 million8.8%15
- Over $2 million5.3%9
Age of the businesses
- Existing, more than 2 years old40.6%69
- New business, 2 years or less18.8%32
- Startup, loan funds will open the business25.9%44
- Change of ownership14.7%25
Questions and answers
Which lenders make the most SBA loans in St. Clair County?
By approvals in FY2021 to FY2025: Bank of Belleville (24), Small Business Growth Corporation (17), First Mid Bank & Trust, National Association (12), U.S. Bank, National Association (11), The Huntington National Bank (10). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in St. Clair County?
The median 7(a) approval was $250K and the median 504 approval $506K; the Illinois 7(a) median was $200K.
Which industries get the most SBA loans in St. Clair County?
Restaurants and Other Eating Places (27); Other Amusement and Recreation Industries (7); Grocery Stores (6); Automotive Repair and Maintenance (6); General Freight Trucking (6).
Is SBA lending in St. Clair County rising?
Approvals in the three latest complete fiscal years total 83, against 118 in the three before: falling (-30%).
How does St. Clair County compare with the rest of Illinois?
34.2 approvals per 1,000 establishments against 38.5 statewide, and 170 of the state's 12,417 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error