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County19th of 106 in Missouri by approvalsFIPS 29109
SBA loans in Lawrence 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 53 loans to businesses in Lawrence County, Missouri, in FY2021 to FY2025, worth $21.3M: 50 under 7(a) and 3 under 504.
That is 76.9 approvals per 1,000 business establishments (689 establishments in 2023), above the Missouri figure of 37.6 and above the national 41.0.
It ranks 19th of 106 Missouri counties with approvals. In FY2025 there were 11, down 15% on FY2024.
18 lenders had approvals here; the most active were First Independent Bank (13), OMB Bank (7) and OakStar Bank (5). 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 Lawrence County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | First Independent BankAurora, MO | 13 | $1.6M | 24.5% | |
| 2 | OMB BankSpringfield, MO | 7 | $1.7M | 13.2% | |
| 3 | OakStar BankSpringfield, MO | 5 | $3.8M | 9.4% | |
| 4 | Mid-Missouri BankSpringfield, MO | 4 | $1.2M | 7.5% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 4 | $148K | 7.5% | |
| 6 | First Financial BankEl Dorado, AR | 3 | $3.1M | 5.7% | |
| 7 | Rural Missouri, Inc.Jefferson City, MO · CDC | 3 | $2.6M | 5.7% | |
| 8 | Byline BankChicago, IL | 2 | — | 3.8% | |
| 9 | Guaranty BankSpringfield, MO | 2 | — | 3.8% | |
| 10 | Legacy Bank & Trust CompanyMt. Grove, MO | 2 | — | 3.8% | |
| 11 | Southern BankPoplar Bluff, MO | 1 | — | 1.9% | |
| 12 | UniBankLynnwood, WA | 1 | — | 1.9% | |
| 13 | Community National Bank & TrustChanute, KS | 1 | — | 1.9% | |
| 14 | Community Bank and TrustNeosho, MO | 1 | — | 1.9% | |
| 15 | Stone BankMountain View, AR | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 11.3% | |
| 2 | Poultry and Egg ProductionNAICS 1123 | 4 | 7.5% | |
| 3 | Greenhouse, Nursery, and Floriculture ProductionNAICS 1114 | 4 | 7.5% | |
| 4 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 4 | 7.5% | |
| 5 | Special Food ServicesNAICS 7223 | 3 | 5.7% | |
| 6 | Building Material and Supplies DealersNAICS 4441 | 2 | 3.8% | |
| 7 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 3.8% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 3.8% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 2 | 3.8% | |
| 10 | Lessors of Real EstateNAICS 5311 | 2 | 3.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Agriculture, Forestry, Fishing and Hunting | 9 | 17.0% | |
| 2 | Other Services (except Public Administration) | 8 | 15.1% | |
| 3 | Retail Trade | 6 | 11.3% | |
| 4 | Wholesale Trade | 6 | 11.3% | |
| 5 | Accommodation and Food Services | 5 | 9.4% | |
| 6 | Manufacturing | 4 | 7.5% | |
| 7 | Transportation and Warehousing | 3 | 5.7% | |
| 8 | Health Care and Social Assistance | 3 | 5.7% |
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* | 4 | $3.6M | $356K | 0 | — | 4 | 20 |
| FY2025 | 11 | $2.9M | $147K | 0 | — | 11 | 53 |
| FY2024 | 12 | $8.5M | $224K | 1 | — | 13 | 117 |
| FY2023 | 10 | $2.0M | $55K | 1 | — | 11 | 40 |
| FY2022 | 6 | $1.3M | $263K | 1 | — | 7 | 73 |
| FY2021 | 11 | $4.0M | $150K | 0 | — | 11 | 48 |
| FY2020 | 8 | $2.4M | $57K | 1 | — | 9 | 24 |
| FY2019 | 6 | $4.9M | $100K | 1 | — | 7 | 28 |
| FY2018 | 3 | $260K | $80K | 0 | — | 3 | 13 |
| FY2017 | 9 | $8.5M | $146K | 0 | — | 9 | 89 |
| FY2016 | 12 | $1.5M | $80K | 1 | — | 13 | 93 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 41 approvals.
Against Missouri and the country
| FY2021–FY2025 | Lawrence County | Missouri | United States |
|---|---|---|---|
| Approvals | 53 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 76.9 | 37.6 | 41.0 |
| Median 7(a) approval | $124K | $225K | $190K |
| Median 504 approval | $181K | $553K | $657K |
| Average approval | $403K | $569K | $573K |
| 504 share of approvals | 5.7% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 6.2 | 11.0 | 10.5 |
| Share of state approvals | 0.9% | 100.0% | — |
Approval sizes
- $50,000 or less30.2%16
- $50,001 to $150,00022.6%12
- $150,001 to $350,00018.9%10
- $350,001 to $1 million17.0%9
- $1 million to $2 million3.8%2
- Over $2 million7.5%4
Age of the businesses
- Existing, more than 2 years old54.7%29
- New business, 2 years or less18.9%10
- Startup, loan funds will open the business11.3%6
- Change of ownership15.1%8
Questions and answers
Which lenders make the most SBA loans in Lawrence County?
By approvals in FY2021 to FY2025: First Independent Bank (13), OMB Bank (7), OakStar Bank (5), Mid-Missouri Bank (4), U.S. Bank, National Association (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Lawrence County?
The median 7(a) approval was $124K and the median 504 approval $181K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Lawrence County?
Automotive Repair and Maintenance (6); Poultry and Egg Production (4); Greenhouse, Nursery, and Floriculture Production (4); Miscellaneous Nondurable Goods Merchant Wholesalers (4); Special Food Services (3).
Is SBA lending in Lawrence County rising?
Approvals in the three latest complete fiscal years total 35, against 27 in the three before: rising (+30%).
How does Lawrence County compare with the rest of Missouri?
76.9 approvals per 1,000 establishments against 37.6 statewide, and 53 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