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County6th of 107 in Kentucky by approvalsFIPS 21227
SBA loans in Warren County, Kentucky
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 80 loans to businesses in Warren County, Kentucky, in FY2021 to FY2025, worth $31.1M: 78 under 7(a) and 2 under 504.
That is 26.0 approvals per 1,000 business establishments (3,076 establishments in 2023), close to the Kentucky figure of 27.1 and below the national 41.0.
It ranks 6th of 107 Kentucky counties with approvals. In FY2025 there were 25, up 32% on FY2024.
28 lenders had approvals here; the most active were South Central Bank, Inc. (10), American Bank & Trust Company, Inc. (10) and U.S. Bank, National Association (9). The most common industry was automotive repair and maintenance.
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 Warren County
By number of approvals to businesses in the county, FY2021–FY2025; 28 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | South Central Bank, Inc.Glasgow, KY | 10 | $3.4M | 12.5% | |
| 2 | American Bank & Trust Company, Inc.Bowling Green, KY | 10 | $2.3M | 12.5% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 9 | $230K | 11.3% | |
| 4 | Northeast BankLewiston, ME | 8 | $1.2M | 10.0% | |
| 5 | First Financial Bank, National AssociationTerre Haute, IN | 7 | $1.9M | 8.8% | |
| 6 | The Huntington National BankColumbus, OH | 4 | $3.5M | 5.0% | |
| 7 | German American BankJasper, IN | 3 | $1.2M | 3.8% | |
| 8 | Community Trust Bank, Inc.Pikeville, KY | 3 | $1.1M | 3.8% | |
| 9 | Old National BankEvansville, IN | 3 | $1.0M | 3.8% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 2.5% | |
| 11 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 2.5% | |
| 12 | Newtek Bank, National AssociationMiami, FL | 2 | — | 2.5% | |
| 13 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 2.5% | |
| 14 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 1.3% | |
| 15 | Peoples BankMendenhall, MS | 1 | — | 1.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 10 | 12.5% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 8 | 10.0% | |
| 3 | General Freight TruckingNAICS 4841 | 7 | 8.8% | |
| 4 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 7 | 8.8% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 5.0% | |
| 6 | Offices of PhysiciansNAICS 6211 | 3 | 3.8% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 3 | 3.8% | |
| 8 | Beer, Wine, and Liquor StoresNAICS 4453 | 3 | 3.8% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 3.8% | |
| 10 | Specialty Food StoresNAICS 4452 | 2 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 14 | 17.5% | |
| 2 | Construction | 13 | 16.3% | |
| 3 | Health Care and Social Assistance | 9 | 11.3% | |
| 4 | Transportation and Warehousing | 9 | 11.3% | |
| 5 | Retail Trade | 8 | 10.0% | |
| 6 | Arts, Entertainment, and Recreation | 8 | 10.0% | |
| 7 | Accommodation and Food Services | 6 | 7.5% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 3 | 3.8% |
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* | 11 | $6.0M | $168K | 0 | — | 11 | 93 |
| FY2025 | 24 | $6.1M | $120K | 1 | — | 25 | 359 |
| FY2024 | 19 | $9.2M | $300K | 0 | — | 19 | 159 |
| FY2023 | 11 | $2.9M | $200K | 0 | — | 11 | 77 |
| FY2022 | 9 | $2.4M | $97K | 1 | — | 10 | 41 |
| FY2021 | 15 | $9.0M | $251K | 0 | — | 15 | 173 |
| FY2020 | 14 | $4.4M | $84K | 0 | — | 14 | 80 |
| FY2019 | 16 | $6.6M | $64K | 0 | — | 16 | 141 |
| FY2018 | 15 | $6.6M | $150K | 2 | — | 17 | 147 |
| FY2017 | 7 | $1.4M | $194K | 0 | — | 7 | 82 |
| FY2016 | 8 | $4.6M | $72K | 1 | — | 9 | 105 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 63 approvals.
Against Kentucky and the country
| FY2021–FY2025 | Warren County | Kentucky | United States |
|---|---|---|---|
| Approvals | 80 | 2,558 | 342,825 |
| Approvals per 1,000 establishments | 26.0 | 27.1 | 41.0 |
| Median 7(a) approval | $150K | $150K | $190K |
| Median 504 approval | — | $495K | $657K |
| Average approval | $389K | $494K | $573K |
| 504 share of approvals | 2.5% | 5.7% | 11.0% |
| Jobs supported per approval, as reported | 10.1 | 11.0 | 10.5 |
| Share of state approvals | 3.1% | 100.0% | — |
Approval sizes
- $50,000 or less28.7%23
- $50,001 to $150,00021.3%17
- $150,001 to $350,00020.0%16
- $350,001 to $1 million21.3%17
- $1 million to $2 million7.5%6
- Over $2 million1.3%1
Age of the businesses
- Existing, more than 2 years old52.5%42
- New business, 2 years or less16.3%13
- Startup, loan funds will open the business22.5%18
- Change of ownership8.8%7
Questions and answers
Which lenders make the most SBA loans in Warren County?
By approvals in FY2021 to FY2025: South Central Bank, Inc. (10), American Bank & Trust Company, Inc. (10), U.S. Bank, National Association (9), Northeast Bank (8), First Financial Bank, National Association (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Warren County?
The median 7(a) approval was $150K; the Kentucky 7(a) median was $150K.
Which industries get the most SBA loans in Warren County?
Automotive Repair and Maintenance (10); Other Amusement and Recreation Industries (8); General Freight Trucking (7); Foundation, Structure, and Building Exterior Contractors (7); Restaurants and Other Eating Places (4).
Is SBA lending in Warren County rising?
Approvals in the three latest complete fiscal years total 55, against 39 in the three before: rising (+41%).
How does Warren County compare with the rest of Kentucky?
26.0 approvals per 1,000 establishments against 27.1 statewide, and 80 of the state's 2,558 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