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County9th of 106 in Missouri by approvalsFIPS 29043
SBA loans in Christian County, Missouri
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 144 loans to businesses in Christian County, Missouri, in FY2021 to FY2025, worth $71.4M: 129 under 7(a) and 15 under 504.
That is 68.6 approvals per 1,000 business establishments (2,098 establishments in 2023), above the Missouri figure of 37.6 and above the national 41.0.
It ranks 9th of 106 Missouri counties with approvals. In FY2025 there were 39, up 26% on FY2024.
36 lenders had approvals here; the most active were OakStar Bank (18), Regent Bank (16) and The Bank of Missouri (15). 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 Christian County
By number of approvals to businesses in the county, FY2021–FY2025; 36 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | OakStar BankSpringfield, MO | 18 | $13.1M | 12.5% | |
| 2 | Regent BankTulsa, OK | 16 | $7.3M | 11.1% | |
| 3 | The Bank of MissouriPerryville, MO | 15 | $10.4M | 10.4% | |
| 4 | Rural Missouri, Inc.Jefferson City, MO · CDC | 14 | $11.5M | 9.7% | |
| 5 | Guaranty BankSpringfield, MO | 11 | $3.5M | 7.6% | |
| 6 | Legacy Bank & Trust CompanyMt. Grove, MO | 8 | $4.3M | 5.6% | |
| 7 | OMB BankSpringfield, MO | 8 | $2.9M | 5.6% | |
| 8 | The Huntington National BankColumbus, OH | 4 | $1.8M | 2.8% | |
| 9 | Simmons BankPine Bluff, AR | 4 | $953K | 2.8% | |
| 10 | Northeast BankLewiston, ME | 4 | $239K | 2.8% | |
| 11 | Four States Bank, Inc.Carthage, MO | 3 | $805K | 2.1% | |
| 12 | Commerce BankKansas City, MO | 3 | $625K | 2.1% | |
| 13 | United Midwest Savings Bank National AssociationDe Graff, OH | 3 | $600K | 2.1% | |
| 14 | Ozark BankOzark, MO | 3 | $477K | 2.1% | |
| 15 | U.S. Bank, National AssociationCincinnati, OH | 3 | $116K | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 11 | 7.6% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 4.9% | |
| 3 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 7 | 4.9% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 7 | 4.9% | |
| 5 | Residential Building ConstructionNAICS 2361 | 6 | 4.2% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 3.5% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 5 | 3.5% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 2.8% | |
| 9 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 4 | 2.8% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 4 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 27 | 18.8% | |
| 2 | Construction | 24 | 16.7% | |
| 3 | Professional, Scientific, and Technical Services | 17 | 11.8% | |
| 4 | Manufacturing | 13 | 9.0% | |
| 5 | Other Services (except Public Administration) | 13 | 9.0% | |
| 6 | Arts, Entertainment, and Recreation | 9 | 6.3% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 9 | 6.3% | |
| 8 | Accommodation and Food Services | 7 | 4.9% |
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* | 14 | $5.4M | $195K | 0 | — | 14 | 75 |
| FY2025 | 36 | $13.0M | $230K | 3 | $2.4M | 39 | 373 |
| FY2024 | 31 | $11.7M | $200K | 0 | — | 31 | 319 |
| FY2023 | 12 | $6.9M | $289K | 3 | $2.7M | 15 | 107 |
| FY2022 | 25 | $11.3M | $195K | 5 | $3.3M | 30 | 271 |
| FY2021 | 25 | $16.6M | $450K | 4 | $3.5M | 29 | 240 |
| FY2020 | 26 | $10.0M | $220K | 4 | $1.6M | 30 | 451 |
| FY2019 | 33 | $6.5M | $125K | 1 | — | 34 | 179 |
| FY2018 | 32 | $7.6M | $180K | 5 | $2.8M | 37 | 289 |
| FY2017 | 32 | $7.4M | $140K | 2 | — | 34 | 208 |
| FY2016 | 34 | $8.1M | $123K | 3 | $1.6M | 37 | 373 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 172 approvals.
Against Missouri and the country
| FY2021–FY2025 | Christian County | Missouri | United States |
|---|---|---|---|
| Approvals | 144 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 68.6 | 37.6 | 41.0 |
| Median 7(a) approval | $230K | $225K | $190K |
| Median 504 approval | $731K | $553K | $657K |
| Average approval | $496K | $569K | $573K |
| 504 share of approvals | 10.4% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 9.1 | 11.0 | 10.5 |
| Share of state approvals | 2.5% | 100.0% | — |
Approval sizes
- $50,000 or less9.7%14
- $50,001 to $150,00026.4%38
- $150,001 to $350,00020.8%30
- $350,001 to $1 million31.3%45
- $1 million to $2 million8.3%12
- Over $2 million3.5%5
Age of the businesses
- Existing, more than 2 years old50.7%73
- New business, 2 years or less15.3%22
- Startup, loan funds will open the business22.9%33
- Change of ownership11.1%16
Questions and answers
Which lenders make the most SBA loans in Christian County?
By approvals in FY2021 to FY2025: OakStar Bank (18), Regent Bank (16), The Bank of Missouri (15), Rural Missouri, Inc. (14), Guaranty Bank (11). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Christian County?
The median 7(a) approval was $230K and the median 504 approval $731K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Christian County?
Automotive Repair and Maintenance (11); Restaurants and Other Eating Places (7); Accounting, Tax Preparation, Bookkeeping, and Payroll Services (7); Services to Buildings and Dwellings (7); Residential Building Construction (6).
Is SBA lending in Christian County rising?
Approvals in the three latest complete fiscal years total 85, against 89 in the three before: broadly level (-4%).
How does Christian County compare with the rest of Missouri?
68.6 approvals per 1,000 establishments against 37.6 statewide, and 144 of the state's 5,688 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