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County23rd of 106 in Missouri by approvalsFIPS 29101
SBA loans in Johnson 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 41 loans to businesses in Johnson County, Missouri, in FY2021 to FY2025, worth $12.6M: 41 under 7(a) and 0 under 504.
That is 43.1 approvals per 1,000 business establishments (951 establishments in 2023), close to the Missouri figure of 37.6 and close to the national 41.0.
It ranks 23rd of 106 Missouri counties with approvals. In FY2025 there were 5, down 50% on FY2024.
12 lenders had approvals here; the most active were The Central Trust Bank (26), Midwest Regional Bank (2) and Newtek Bank, National Association (2). The most common industry was lessors of real estate.
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 Johnson County
By number of approvals to businesses in the county, FY2021–FY2025; 12 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Central Trust BankJefferson City, MO | 26 | $7.1M | 63.4% | |
| 2 | Midwest Regional BankFestus, MO | 2 | — | 4.9% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 2 | — | 4.9% | |
| 4 | Equity BankAndover, KS | 2 | — | 4.9% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 4.9% | |
| 6 | Peoples BankMendenhall, MS | 1 | — | 2.4% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.4% | |
| 8 | OakStar BankSpringfield, MO | 1 | — | 2.4% | |
| 9 | First Midwest Bank of the OzarksPoplar Bluff, MO | 1 | — | 2.4% | |
| 10 | First National Bank of OmahaOmaha, NE | 1 | — | 2.4% | |
| 11 | Community National Bank & TrustChanute, KS | 1 | — | 2.4% | |
| 12 | Commerce BankKansas City, MO | 1 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Lessors of Real EstateNAICS 5311 | 4 | 9.8% | |
| 2 | Waste CollectionNAICS 5621 | 4 | 9.8% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 9.8% | |
| 4 | Building Finishing ContractorsNAICS 2383 | 3 | 7.3% | |
| 5 | Consumer Goods RentalNAICS 5322 | 3 | 7.3% | |
| 6 | Traveler AccommodationNAICS 7211 | 2 | 4.9% | |
| 7 | Sporting Goods, Hobby, and Musical Instrument StoresNAICS 4511 | 2 | 4.9% | |
| 8 | Beverage ManufacturingNAICS 3121 | 2 | 4.9% | |
| 9 | Death Care ServicesNAICS 8122 | 1 | 2.4% | |
| 10 | Clothing and Clothing Accessories RetailersNAICS 4581 | 1 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Real Estate and Rental and Leasing | 8 | 19.5% | |
| 2 | Accommodation and Food Services | 6 | 14.6% | |
| 3 | Retail Trade | 6 | 14.6% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 5 | 12.2% | |
| 5 | Construction | 4 | 9.8% | |
| 6 | Other Services (except Public Administration) | 3 | 7.3% | |
| 7 | Manufacturing | 2 | 4.9% | |
| 8 | Transportation and Warehousing | 2 | 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* | 5 | $481K | $72K | 1 | — | 6 | 34 |
| FY2025 | 5 | $2.2M | $400K | 0 | — | 5 | 66 |
| FY2024 | 10 | $2.2M | $110K | 0 | — | 10 | 50 |
| FY2023 | 7 | $1.3M | $135K | 0 | — | 7 | 30 |
| FY2022 | 6 | $1.7M | $188K | 0 | — | 6 | 32 |
| FY2021 | 13 | $5.1M | $262K | 0 | — | 13 | 72 |
| FY2020 | 9 | $1.0M | $135K | 1 | — | 10 | 60 |
| FY2019 | 1 | — | — | 1 | — | 2 | 9 |
| FY2018 | 5 | $1.0M | $107K | 2 | — | 7 | 57 |
| FY2017 | 9 | $3.1M | $76K | 0 | — | 9 | 155 |
| FY2016 | 4 | $1.1M | $233K | 2 | — | 6 | 68 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 34 approvals.
Against Missouri and the country
| FY2021–FY2025 | Johnson County | Missouri | United States |
|---|---|---|---|
| Approvals | 41 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 43.1 | 37.6 | 41.0 |
| Median 7(a) approval | $250K | $225K | $190K |
| Median 504 approval | — | $553K | $657K |
| Average approval | $306K | $569K | $573K |
| 504 share of approvals | 0.0% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 6.1 | 11.0 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less9.8%4
- $50,001 to $150,00029.3%12
- $150,001 to $350,00031.7%13
- $350,001 to $1 million26.8%11
- $1 million to $2 million2.4%1
Age of the businesses
- Existing, more than 2 years old63.4%26
- New business, 2 years or less12.2%5
- Startup, loan funds will open the business17.1%7
- Change of ownership7.3%3
Questions and answers
Which lenders make the most SBA loans in Johnson County?
By approvals in FY2021 to FY2025: The Central Trust Bank (26), Midwest Regional Bank (2), Newtek Bank, National Association (2), Equity 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 Johnson County?
The median 7(a) approval was $250K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Johnson County?
Lessors of Real Estate (4); Waste Collection (4); Restaurants and Other Eating Places (4); Building Finishing Contractors (3); Consumer Goods Rental (3).
Is SBA lending in Johnson County rising?
Approvals in the three latest complete fiscal years total 22, against 29 in the three before: falling (-24%).
How does Johnson County compare with the rest of Missouri?
43.1 approvals per 1,000 establishments against 37.6 statewide, and 41 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