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County18th of 106 in Missouri by approvalsFIPS 29145
SBA loans in Newton 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 54 loans to businesses in Newton County, Missouri, in FY2021 to FY2025, worth $31.5M: 54 under 7(a) and 0 under 504.
That is 43.2 approvals per 1,000 business establishments (1,251 establishments in 2023), close to the Missouri figure of 37.6 and close to the national 41.0.
It ranks 18th of 106 Missouri counties with approvals. In FY2025 there were 11, up 10% on FY2024.
15 lenders had approvals here; the most active were OakStar Bank (11), Arvest Bank (9) and Community Bank and Trust (9). 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 Newton County
By number of approvals to businesses in the county, FY2021–FY2025; 15 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | OakStar BankSpringfield, MO | 11 | $10.1M | 20.4% | |
| 2 | Arvest BankFayetteville, AR | 9 | $1.0M | 16.7% | |
| 3 | Community Bank and TrustNeosho, MO | 9 | $854K | 16.7% | |
| 4 | Guaranty BankSpringfield, MO | 6 | $1.5M | 11.1% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 4 | $97K | 7.4% | |
| 6 | First Financial BankEl Dorado, AR | 3 | $3.7M | 5.6% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 2 | — | 3.7% | |
| 8 | Southwest Missouri BankCarthage, MO | 2 | — | 3.7% | |
| 9 | Four States Bank, Inc.Carthage, MO | 2 | — | 3.7% | |
| 10 | People's Bank of SenecaSeneca, MO | 1 | — | 1.9% | |
| 11 | GBankLas Vegas, NV | 1 | — | 1.9% | |
| 12 | Regent BankTulsa, OK | 1 | — | 1.9% | |
| 13 | Encore BankLittle Rock, AR | 1 | — | 1.9% | |
| 14 | BMO Bank National AssociationChicago, IL | 1 | — | 1.9% | |
| 15 | Newtek Bank, National AssociationMiami, FL | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Poultry and Egg ProductionNAICS 1123 | 5 | 9.3% | |
| 2 | Building Finishing ContractorsNAICS 2383 | 5 | 9.3% | |
| 3 | General Freight TruckingNAICS 4841 | 4 | 7.4% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 5.6% | |
| 5 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 3 | 5.6% | |
| 6 | Specialized Freight TruckingNAICS 4842 | 3 | 5.6% | |
| 7 | Personal Care ServicesNAICS 8121 | 3 | 5.6% | |
| 8 | Machine Shops; Turned Product; and Screw, Nut, and Bolt ManufacturingNAICS 3327 | 2 | 3.7% | |
| 9 | Printing and Related Support ActivitiesNAICS 3231 | 2 | 3.7% | |
| 10 | Offices of PhysiciansNAICS 6211 | 2 | 3.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 9 | 16.7% | |
| 2 | Agriculture, Forestry, Fishing and Hunting | 7 | 13.0% | |
| 3 | Other Services (except Public Administration) | 7 | 13.0% | |
| 4 | Manufacturing | 6 | 11.1% | |
| 5 | Retail Trade | 6 | 11.1% | |
| 6 | Construction | 6 | 11.1% | |
| 7 | Professional, Scientific, and Technical Services | 3 | 5.6% | |
| 8 | Health Care and Social Assistance | 3 | 5.6% |
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* | 15 | $13.7M | $321K | 1 | — | 16 | 92 |
| FY2025 | 11 | $8.6M | $630K | 0 | — | 11 | 60 |
| FY2024 | 10 | $7.7M | $183K | 0 | — | 10 | 81 |
| FY2023 | 9 | $1.7M | $159K | 0 | — | 9 | 116 |
| FY2022 | 12 | $7.8M | $186K | 0 | — | 12 | 157 |
| FY2021 | 12 | $5.7M | $151K | 0 | — | 12 | 60 |
| FY2020 | 9 | $8.7M | $711K | 0 | — | 9 | 202 |
| FY2019 | 6 | $4.3M | $63K | 0 | — | 6 | 11 |
| FY2018 | 9 | $3.8M | $200K | 1 | — | 10 | 102 |
| FY2017 | 9 | $2.3M | $178K | 0 | — | 9 | 44 |
| FY2016 | 11 | $12.6M | $1.1M | 1 | — | 12 | 42 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 46 approvals.
Against Missouri and the country
| FY2021–FY2025 | Newton County | Missouri | United States |
|---|---|---|---|
| Approvals | 54 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 43.2 | 37.6 | 41.0 |
| Median 7(a) approval | $184K | $225K | $190K |
| Median 504 approval | — | $553K | $657K |
| Average approval | $583K | $569K | $573K |
| 504 share of approvals | 0.0% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 8.8 | 11.0 | 10.5 |
| Share of state approvals | 0.9% | 100.0% | — |
Approval sizes
- $50,000 or less20.4%11
- $50,001 to $150,00020.4%11
- $150,001 to $350,00027.8%15
- $350,001 to $1 million14.8%8
- $1 million to $2 million9.3%5
- Over $2 million7.4%4
Age of the businesses
- Existing, more than 2 years old40.7%22
- New business, 2 years or less18.5%10
- Startup, loan funds will open the business29.6%16
- Change of ownership11.1%6
Questions and answers
Which lenders make the most SBA loans in Newton County?
By approvals in FY2021 to FY2025: OakStar Bank (11), Arvest Bank (9), Community Bank and Trust (9), Guaranty Bank (6), 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 Newton County?
The median 7(a) approval was $184K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Newton County?
Poultry and Egg Production (5); Building Finishing Contractors (5); General Freight Trucking (4); Automotive Repair and Maintenance (3); Sporting Goods, Hobby, and Musical Instrument Retailers (3).
Is SBA lending in Newton County rising?
Approvals in the three latest complete fiscal years total 30, against 33 in the three before: broadly level (-9%).
How does Newton County compare with the rest of Missouri?
43.2 approvals per 1,000 establishments against 37.6 statewide, and 54 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