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County33rd of 106 in Missouri by approvalsFIPS 29083
SBA loans in Henry 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.
Businesses in Henry County, Missouri, received 30 SBA loan approvals worth $15.0M in FY2021 to FY2025 (26 7(a), 4 504).
That is 50.6 approvals per 1,000 business establishments (593 establishments in 2023), above the Missouri figure of 37.6 and above the national 41.0.
It ranks 33rd of 106 Missouri counties with approvals. In FY2025 there were 6.
13 lenders had approvals here; the most active were OakStar Bank (12), Rural Missouri, Inc. (4) and Live Oak Banking Company (2). The most common industry was poultry and egg production.
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 Henry County
By number of approvals to businesses in the county, FY2021–FY2025; 13 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | OakStar BankSpringfield, MO | 12 | $4.4M | 40.0% | |
| 2 | Rural Missouri, Inc.Jefferson City, MO · CDC | 4 | $2.6M | 13.3% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 2 | — | 6.7% | |
| 4 | Hawthorn BankJefferson City, MO | 2 | — | 6.7% | |
| 5 | Equity BankAndover, KS | 2 | — | 6.7% | |
| 6 | The Central Trust BankJefferson City, MO | 1 | — | 3.3% | |
| 7 | Regent BankTulsa, OK | 1 | — | 3.3% | |
| 8 | Community National Bank & TrustChanute, KS | 1 | — | 3.3% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 1 | — | 3.3% | |
| 10 | Commerce BankKansas City, MO | 1 | — | 3.3% | |
| 11 | St. Clair County State BankOsceola, MO | 1 | — | 3.3% | |
| 12 | Legacy Bank & Trust CompanyMt. Grove, MO | 1 | — | 3.3% | |
| 13 | U.S. Bank, National AssociationCincinnati, OH | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Poultry and Egg ProductionNAICS 1123 | 4 | 13.3% | |
| 2 | General Freight TruckingNAICS 4841 | 3 | 10.0% | |
| 3 | Plastics Product ManufacturingNAICS 3261 | 2 | 6.7% | |
| 4 | Residential Building ConstructionNAICS 2361 | 2 | 6.7% | |
| 5 | FloristsNAICS 4593 | 2 | 6.7% | |
| 6 | Other Miscellaneous RetailersNAICS 4599 | 1 | 3.3% | |
| 7 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 1 | 3.3% | |
| 8 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 1 | 3.3% | |
| 9 | Animal Slaughtering and ProcessingNAICS 3116 | 1 | 3.3% | |
| 10 | Furniture and Home Furnishing Merchant WholesalersNAICS 4232 | 1 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 9 | 30.0% | |
| 2 | Agriculture, Forestry, Fishing and Hunting | 4 | 13.3% | |
| 3 | Manufacturing | 4 | 13.3% | |
| 4 | Transportation and Warehousing | 3 | 10.0% | |
| 5 | Wholesale Trade | 2 | 6.7% | |
| 6 | Construction | 2 | 6.7% | |
| 7 | Information | 2 | 6.7% | |
| 8 | Other Services (except Public Administration) | 2 | 6.7% |
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 | 9 |
| FY2025 | 6 | $7.3M | $503K | 0 | — | 6 | 17 |
| FY2024 | 4 | $687K | $115K | 0 | — | 4 | 38 |
| FY2023 | 4 | $1.7M | $131K | 0 | — | 4 | 5 |
| FY2022 | 6 | $951K | $160K | 2 | — | 8 | 41 |
| FY2021 | 6 | $1.8M | $298K | 2 | — | 8 | 55 |
| FY2020 | 2 | — | — | 0 | — | 2 | 17 |
| FY2019 | 8 | $3.1M | $283K | 0 | — | 8 | 136 |
| FY2018 | 0 | — | — | 1 | — | 1 | 4 |
| FY2017 | 0 | — | — | 0 | — | 0 | 0 |
| FY2016 | 2 | — | — | 1 | — | 3 | 1 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 14 approvals.
Against Missouri and the country
| FY2021–FY2025 | Henry County | Missouri | United States |
|---|---|---|---|
| Approvals | 30 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 50.6 | 37.6 | 41.0 |
| Median 7(a) approval | $197K | $225K | $190K |
| Median 504 approval | $619K | $553K | $657K |
| Average approval | $500K | $569K | $573K |
| 504 share of approvals | 13.3% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 5.2 | 11.0 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less10.0%3
- $50,001 to $150,00026.7%8
- $150,001 to $350,00030.0%9
- $350,001 to $1 million20.0%6
- $1 million to $2 million6.7%2
- Over $2 million6.7%2
Age of the businesses
- Existing, more than 2 years old43.3%13
- New business, 2 years or less13.3%4
- Startup, loan funds will open the business30.0%9
- Change of ownership13.3%4
Questions and answers
Which lenders make the most SBA loans in Henry County?
By approvals in FY2021 to FY2025: OakStar Bank (12), Rural Missouri, Inc. (4), Live Oak Banking Company (2), Hawthorn Bank (2), Equity Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Henry County?
The median 7(a) approval was $197K and the median 504 approval $619K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Henry County?
Poultry and Egg Production (4); General Freight Trucking (3); Plastics Product Manufacturing (2); Residential Building Construction (2); Florists (2).
Is SBA lending in Henry County rising?
Approvals in the three latest complete fiscal years total 14, against 18 in the three before: falling (-22%).
How does Henry County compare with the rest of Missouri?
50.6 approvals per 1,000 establishments against 37.6 statewide, and 30 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