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County29th of 106 in Missouri by approvalsFIPS 29131
SBA loans in Miller 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 33 loans to businesses in Miller County, Missouri, in FY2021 to FY2025, worth $21.2M: 30 under 7(a) and 3 under 504.
That is 46.2 approvals per 1,000 business establishments (714 establishments in 2023), above the Missouri figure of 37.6 and close to the national 41.0.
It ranks 29th of 106 Missouri counties with approvals. In FY2025 there were 10.
17 lenders had approvals here; the most active were OakStar Bank (9), The Central Trust Bank (5) and Rural Missouri, Inc. (3). The most common industry was other amusement and recreation industries.
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 Miller County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | OakStar BankSpringfield, MO | 9 | $7.2M | 27.3% | |
| 2 | The Central Trust BankJefferson City, MO | 5 | $1.1M | 15.2% | |
| 3 | Rural Missouri, Inc.Jefferson City, MO · CDC | 3 | $4.1M | 9.1% | |
| 4 | The Callaway BankFulton, MO | 2 | — | 6.1% | |
| 5 | First Bank of the LakeOsage Beach, MO | 2 | — | 6.1% | |
| 6 | OMB BankSpringfield, MO | 1 | — | 3.0% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 1 | — | 3.0% | |
| 8 | UMB Bank, National AssociationKansas City, MO | 1 | — | 3.0% | |
| 9 | Regions BankBirmingham, AL | 1 | — | 3.0% | |
| 10 | Ameris BankAtlanta, GA | 1 | — | 3.0% | |
| 11 | Home Bank, SBMartinsville, IN | 1 | — | 3.0% | |
| 12 | Northeast BankLewiston, ME | 1 | — | 3.0% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 3.0% | |
| 14 | The Maries County BankVienna, MO | 1 | — | 3.0% | |
| 15 | Bank of HaysHays, KS | 1 | — | 3.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 15.2% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 12.1% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 3 | 9.1% | |
| 4 | Traveler AccommodationNAICS 7211 | 2 | 6.1% | |
| 5 | Health and Personal Care RetailersNAICS 4561 | 2 | 6.1% | |
| 6 | Clothing and Clothing Accessories RetailersNAICS 4581 | 2 | 6.1% | |
| 7 | Hog and Pig FarmingNAICS 1122 | 1 | 3.0% | |
| 8 | Lessors of Real EstateNAICS 5311 | 1 | 3.0% | |
| 9 | Other Heavy and Civil Engineering ConstructionNAICS 2379 | 1 | 3.0% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 1 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 8 | 24.2% | |
| 2 | Construction | 6 | 18.2% | |
| 3 | Arts, Entertainment, and Recreation | 5 | 15.2% | |
| 4 | Real Estate and Rental and Leasing | 5 | 15.2% | |
| 5 | Retail Trade | 4 | 12.1% | |
| 6 | Agriculture, Forestry, Fishing and Hunting | 1 | 3.0% | |
| 7 | Other Services (except Public Administration) | 1 | 3.0% | |
| 8 | Manufacturing | 1 | 3.0% |
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* | 0 | — | — | 0 | — | 0 | 0 |
| FY2025 | 9 | $4.7M | $150K | 1 | — | 10 | 45 |
| FY2024 | 3 | $1.1M | $73K | 0 | — | 3 | 24 |
| FY2023 | 1 | — | — | 0 | — | 1 | 2 |
| FY2022 | 6 | $2.5M | $176K | 1 | — | 7 | 33 |
| FY2021 | 11 | $8.8M | $545K | 1 | — | 12 | 142 |
| FY2020 | 2 | — | — | 0 | — | 2 | 8 |
| FY2019 | 3 | $317K | $35K | 0 | — | 3 | 9 |
| FY2018 | 0 | — | — | 0 | — | 0 | 0 |
| FY2017 | 2 | — | — | 0 | — | 2 | 6 |
| FY2016 | 3 | $5.3M | $413K | 0 | — | 3 | 35 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 10 approvals.
Against Missouri and the country
| FY2021–FY2025 | Miller County | Missouri | United States |
|---|---|---|---|
| Approvals | 33 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 46.2 | 37.6 | 41.0 |
| Median 7(a) approval | $281K | $225K | $190K |
| Median 504 approval | $1.0M | $553K | $657K |
| Average approval | $643K | $569K | $573K |
| 504 share of approvals | 9.1% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 7.5 | 11.0 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less18.2%6
- $50,001 to $150,00021.2%7
- $150,001 to $350,00015.2%5
- $350,001 to $1 million30.3%10
- $1 million to $2 million6.1%2
- Over $2 million9.1%3
Age of the businesses
- Existing, more than 2 years old36.4%12
- New business, 2 years or less21.2%7
- Startup, loan funds will open the business24.2%8
- Change of ownership18.2%6
Questions and answers
Which lenders make the most SBA loans in Miller County?
By approvals in FY2021 to FY2025: OakStar Bank (9), The Central Trust Bank (5), Rural Missouri, Inc. (3), The Callaway Bank (2), First Bank of the Lake (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Miller County?
The median 7(a) approval was $281K and the median 504 approval $1.0M; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Miller County?
Other Amusement and Recreation Industries (5); Restaurants and Other Eating Places (4); Building Equipment Contractors (3); Traveler Accommodation (2); Health and Personal Care Retailers (2).
Is SBA lending in Miller County rising?
Approvals in the three latest complete fiscal years total 14, against 21 in the three before: falling (-33%).
How does Miller County compare with the rest of Missouri?
46.2 approvals per 1,000 establishments against 37.6 statewide, and 33 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