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County10th of 93 in Kansas by approvalsFIPS 20161
SBA loans in Riley County, Kansas
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.
SBA approved 46 loans to businesses in Riley County, Kansas, in FY2021 to FY2025, worth $11.9M: 43 under 7(a) and 3 under 504.
That is 28.4 approvals per 1,000 business establishments (1,620 establishments in 2023), close to the Kansas figure of 32.2 and below the national 41.0.
It ranks 10th of 93 Kansas counties with approvals. In FY2025 there were 8.
20 lenders had approvals here; the most active were Community First National Bank (11), Outdoor Bank (6) and Commerce Bank (6). 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 Riley County
By number of approvals to businesses in the county, FY2021–FY2025; 20 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Community First National BankManhattan, KS | 11 | $2.0M | 23.9% | |
| 2 | Outdoor BankManhattan, KS | 6 | $1.2M | 13.0% | |
| 3 | Commerce BankKansas City, MO | 6 | $408K | 13.0% | |
| 4 | Landmark National BankManhattan, KS | 2 | — | 4.3% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 4.3% | |
| 6 | Frontier Financial Partners, Inc.Emporia, KS · CDC | 2 | — | 4.3% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 2 | — | 4.3% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 2 | — | 4.3% | |
| 9 | Central National BankJunction City, KS | 2 | — | 4.3% | |
| 10 | Silver Lake BankTopeka, KS | 1 | — | 2.2% | |
| 11 | North Valley BankZanesville, OH | 1 | — | 2.2% | |
| 12 | INTRUST Bank National AssociationWichita, KS | 1 | — | 2.2% | |
| 13 | Wakarusa Valley Development, Inc.Lawrence, KS · CDC | 1 | — | 2.2% | |
| 14 | First Citizens State BankWhitewater, WI | 1 | — | 2.2% | |
| 15 | First Internet Bank of IndianaFishers, IN | 1 | — | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 13.0% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 4 | 8.7% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 6.5% | |
| 4 | Specialty Food StoresNAICS 4452 | 3 | 6.5% | |
| 5 | Offices of PhysiciansNAICS 6211 | 2 | 4.3% | |
| 6 | Personal Care ServicesNAICS 8121 | 2 | 4.3% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 4.3% | |
| 8 | Other Miscellaneous RetailersNAICS 4599 | 2 | 4.3% | |
| 9 | Amusement Parks and ArcadesNAICS 7131 | 2 | 4.3% | |
| 10 | Health and Personal Care StoresNAICS 4461 | 1 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 9 | 19.6% | |
| 2 | Arts, Entertainment, and Recreation | 7 | 15.2% | |
| 3 | Health Care and Social Assistance | 7 | 15.2% | |
| 4 | Accommodation and Food Services | 6 | 13.0% | |
| 5 | Other Services (except Public Administration) | 5 | 10.9% | |
| 6 | Manufacturing | 4 | 8.7% | |
| 7 | Professional, Scientific, and Technical Services | 3 | 6.5% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 1 | 2.2% |
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* | 2 | — | — | 1 | — | 3 | 14 |
| FY2025 | 8 | $3.0M | $200K | 0 | — | 8 | 57 |
| FY2024 | 8 | $2.5M | $229K | 1 | — | 9 | 68 |
| FY2023 | 6 | $285K | $34K | 1 | — | 7 | 76 |
| FY2022 | 11 | $1.6M | $50K | 1 | — | 12 | 165 |
| FY2021 | 10 | $3.0M | $205K | 0 | — | 10 | 109 |
| FY2020 | 13 | $7.1M | $145K | 0 | — | 13 | 183 |
| FY2019 | 17 | $1.0M | $51K | 1 | — | 18 | 109 |
| FY2018 | 14 | $1.3M | $54K | 0 | — | 14 | 75 |
| FY2017 | 8 | $2.1M | $103K | 3 | $2.2M | 11 | 63 |
| FY2016 | 7 | $1.6M | $75K | 1 | — | 8 | 273 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 64 approvals.
Against Kansas and the country
| FY2021–FY2025 | Riley County | Kansas | United States |
|---|---|---|---|
| Approvals | 46 | 2,451 | 342,825 |
| Approvals per 1,000 establishments | 28.4 | 32.2 | 41.0 |
| Median 7(a) approval | $150K | $225K | $190K |
| Median 504 approval | $488K | $581K | $657K |
| Average approval | $258K | $539K | $573K |
| 504 share of approvals | 6.5% | 8.6% | 11.0% |
| Jobs supported per approval, as reported | 10.3 | 11.5 | 10.5 |
| Share of state approvals | 1.9% | 100.0% | — |
Approval sizes
- $50,000 or less28.3%13
- $50,001 to $150,00023.9%11
- $150,001 to $350,00023.9%11
- $350,001 to $1 million23.9%11
Age of the businesses
- Existing, more than 2 years old47.8%22
- New business, 2 years or less10.9%5
- Startup, loan funds will open the business26.1%12
- Change of ownership15.2%7
Questions and answers
Which lenders make the most SBA loans in Riley County?
By approvals in FY2021 to FY2025: Community First National Bank (11), Outdoor Bank (6), Commerce Bank (6), Landmark National Bank (2), U.S. Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Riley County?
The median 7(a) approval was $150K and the median 504 approval $488K; the Kansas 7(a) median was $225K.
Which industries get the most SBA loans in Riley County?
Restaurants and Other Eating Places (6); Offices of Other Health Practitioners (4); Other Amusement and Recreation Industries (3); Specialty Food Stores (3); Offices of Physicians (2).
Is SBA lending in Riley County rising?
Approvals in the three latest complete fiscal years total 24, against 35 in the three before: falling (-31%).
How does Riley County compare with the rest of Kansas?
28.4 approvals per 1,000 establishments against 32.2 statewide, and 46 of the state's 2,451 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