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County11th of 106 in Missouri by approvalsFIPS 29099
SBA loans in Jefferson 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 Jefferson County, Missouri, received 116 SBA loan approvals worth $48.0M in FY2021 to FY2025 (108 7(a), 8 504).
That is 29.3 approvals per 1,000 business establishments (3,956 establishments in 2023), below the Missouri figure of 37.6 and below the national 41.0.
It ranks 11th of 106 Missouri counties with approvals. In FY2025 there were 18, down 44% on FY2024.
42 lenders had approvals here; the most active were U.S. Bank, National Association (21), Newtek Bank, National Association (7) and BayFirst National 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 Jefferson County
By number of approvals to businesses in the county, FY2021–FY2025; 42 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 21 | $1.8M | 18.1% | |
| 2 | Newtek Bank, National AssociationMiami, FL | 7 | $1.1M | 6.0% | |
| 3 | BayFirst National BankSaint Petersburg, FL | 6 | $880K | 5.2% | |
| 4 | Midwest Regional BankFestus, MO | 5 | $4.8M | 4.3% | |
| 5 | The Huntington National BankColumbus, OH | 5 | $1.1M | 4.3% | |
| 6 | American Bank of FreedomWellsville, MO | 4 | $6.6M | 3.4% | |
| 7 | St. Louis BankSt. Louis, MO | 4 | $4.4M | 3.4% | |
| 8 | Commerce BankKansas City, MO | 4 | $1.9M | 3.4% | |
| 9 | Farmers and Merchants Bank of St. ClairSaint Clair, MO | 4 | $605K | 3.4% | |
| 10 | Northeast BankLewiston, ME | 4 | $568K | 3.4% | |
| 11 | Arsenal CUArnold, MO | 4 | $413K | 3.4% | |
| 12 | Rural Missouri, Inc.Jefferson City, MO · CDC | 3 | $3.5M | 2.6% | |
| 13 | Busey BankChampaign, IL | 3 | $1.7M | 2.6% | |
| 14 | St. Charles County Economic Development CouncilSt. Charles, MO · CDC | 3 | $1.4M | 2.6% | |
| 15 | Montgomery BankSikeston, MO | 3 | $227K | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 6.0% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 6.0% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 6 | 5.2% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 5.2% | |
| 5 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 6 | 5.2% | |
| 6 | Residential Building ConstructionNAICS 2361 | 5 | 4.3% | |
| 7 | Building Finishing ContractorsNAICS 2383 | 4 | 3.4% | |
| 8 | Utility System ConstructionNAICS 2371 | 4 | 3.4% | |
| 9 | Special Food ServicesNAICS 7223 | 3 | 2.6% | |
| 10 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 3 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 32 | 27.6% | |
| 2 | Other Services (except Public Administration) | 16 | 13.8% | |
| 3 | Accommodation and Food Services | 10 | 8.6% | |
| 4 | Manufacturing | 9 | 7.8% | |
| 5 | Wholesale Trade | 9 | 7.8% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 9 | 7.8% | |
| 7 | Professional, Scientific, and Technical Services | 7 | 6.0% | |
| 8 | Retail Trade | 6 | 5.2% |
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* | 16 | $11.8M | $150K | 1 | — | 17 | 124 |
| FY2025 | 17 | $3.9M | $135K | 1 | — | 18 | 117 |
| FY2024 | 31 | $11.0M | $150K | 1 | — | 32 | 437 |
| FY2023 | 15 | $5.6M | $150K | 1 | — | 16 | 152 |
| FY2022 | 19 | $7.2M | $165K | 4 | $3.7M | 23 | 161 |
| FY2021 | 26 | $14.6M | $259K | 1 | — | 27 | 254 |
| FY2020 | 13 | $8.0M | $104K | 3 | $1.8M | 16 | 142 |
| FY2019 | 24 | $18.2M | $350K | 1 | — | 25 | 315 |
| FY2018 | 20 | $12.4M | $138K | 1 | — | 21 | 187 |
| FY2017 | 20 | $6.9M | $150K | 2 | — | 22 | 215 |
| FY2016 | 37 | $16.5M | $146K | 2 | — | 39 | 392 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 123 approvals.
Against Missouri and the country
| FY2021–FY2025 | Jefferson County | Missouri | United States |
|---|---|---|---|
| Approvals | 116 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 29.3 | 37.6 | 41.0 |
| Median 7(a) approval | $150K | $225K | $190K |
| Median 504 approval | $572K | $553K | $657K |
| Average approval | $414K | $569K | $573K |
| 504 share of approvals | 6.9% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 9.7 | 11.0 | 10.5 |
| Share of state approvals | 2.0% | 100.0% | — |
Approval sizes
- $50,000 or less25.9%30
- $50,001 to $150,00022.4%26
- $150,001 to $350,00017.2%20
- $350,001 to $1 million24.1%28
- $1 million to $2 million7.8%9
- Over $2 million2.6%3
Age of the businesses
- Existing, more than 2 years old56.9%66
- New business, 2 years or less19.0%22
- Startup, loan funds will open the business16.4%19
- Change of ownership7.8%9
Questions and answers
Which lenders make the most SBA loans in Jefferson County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (21), Newtek Bank, National Association (7), BayFirst National Bank (6), Midwest Regional Bank (5), The Huntington National Bank (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jefferson County?
The median 7(a) approval was $150K and the median 504 approval $572K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Jefferson County?
Restaurants and Other Eating Places (7); Other Specialty Trade Contractors (7); Building Equipment Contractors (6); Automotive Repair and Maintenance (6); Foundation, Structure, and Building Exterior Contractors (6).
Is SBA lending in Jefferson County rising?
Approvals in the three latest complete fiscal years total 66, against 66 in the three before: broadly level (0%).
How does Jefferson County compare with the rest of Missouri?
29.3 approvals per 1,000 establishments against 37.6 statewide, and 116 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