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County4th of 106 in Missouri by approvalsFIPS 29183
SBA loans in St. Charles 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 St. Charles County, Missouri, received 393 SBA loan approvals worth $234M in FY2021 to FY2025 (336 7(a), 57 504).
That is 43.9 approvals per 1,000 business establishments (8,946 establishments in 2023), above the Missouri figure of 37.6 and close to the national 41.0.
It ranks 4th of 106 Missouri counties with approvals. In FY2025 there were 91, up 21% on FY2024.
85 lenders had approvals here; the most active were St. Charles County Economic Development Council (34), U.S. Bank, National Association (32) and The Huntington National Bank (28). 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 St. Charles County
By number of approvals to businesses in the county, FY2021–FY2025; 85 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | St. Charles County Economic Development CouncilSt. Charles, MO · CDC | 34 | $30.4M | 8.7% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 32 | $4.1M | 8.1% | |
| 3 | The Huntington National BankColumbus, OH | 28 | $11.7M | 7.1% | |
| 4 | Midwest Regional BankFestus, MO | 21 | $20.1M | 5.3% | |
| 5 | Commerce BankKansas City, MO | 17 | $3.7M | 4.3% | |
| 6 | Rural Missouri, Inc.Jefferson City, MO · CDC | 14 | $14.7M | 3.6% | |
| 7 | The Bank of HoustonHouston, MO | 12 | $10.7M | 3.1% | |
| 8 | Northeast BankLewiston, ME | 11 | $1.1M | 2.8% | |
| 9 | St. Louis BankSt. Louis, MO | 10 | $7.3M | 2.5% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 10 | $5.4M | 2.5% | |
| 11 | Midland States BankEffingham, IL | 10 | $3.3M | 2.5% | |
| 12 | American Bank of FreedomWellsville, MO | 9 | $11.5M | 2.3% | |
| 13 | Enterprise Bank & TrustClayton, MO | 9 | $4.0M | 2.3% | |
| 14 | BayFirst National BankSaint Petersburg, FL | 9 | $3.4M | 2.3% | |
| 15 | Live Oak Banking CompanyWilmington, NC | 7 | $15.0M | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 47 | 12.0% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 24 | 6.1% | |
| 3 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 17 | 4.3% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 15 | 3.8% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 14 | 3.6% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 14 | 3.6% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 13 | 3.3% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 13 | 3.3% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 11 | 2.8% | |
| 10 | Personal Care ServicesNAICS 8121 | 11 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 58 | 14.8% | |
| 2 | Construction | 58 | 14.8% | |
| 3 | Health Care and Social Assistance | 40 | 10.2% | |
| 4 | Other Services (except Public Administration) | 38 | 9.7% | |
| 5 | Retail Trade | 37 | 9.4% | |
| 6 | Arts, Entertainment, and Recreation | 34 | 8.7% | |
| 7 | Manufacturing | 23 | 5.9% | |
| 8 | Professional, Scientific, and Technical Services | 22 | 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* | 39 | $11.0M | $150K | 6 | $4.8M | 45 | 437 |
| FY2025 | 79 | $43.0M | $191K | 12 | $14.4M | 91 | 949 |
| FY2024 | 67 | $38.2M | $200K | 8 | $6.6M | 75 | 793 |
| FY2023 | 57 | $25.9M | $205K | 11 | $5.1M | 68 | 815 |
| FY2022 | 63 | $32.2M | $320K | 13 | $16.1M | 76 | 996 |
| FY2021 | 70 | $42.8M | $347K | 13 | $10.1M | 83 | 1,484 |
| FY2020 | 46 | $23.8M | $198K | 10 | $13.5M | 56 | 608 |
| FY2019 | 69 | $25.3M | $230K | 13 | $5.6M | 82 | 862 |
| FY2018 | 77 | $46.8M | $200K | 14 | $10.2M | 91 | 1,026 |
| FY2017 | 73 | $22.9M | $100K | 18 | $9.6M | 91 | 934 |
| FY2016 | 54 | $17.2M | $150K | 9 | $4.0M | 63 | 809 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 383 approvals.
Against Missouri and the country
| FY2021–FY2025 | St. Charles County | Missouri | United States |
|---|---|---|---|
| Approvals | 393 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 43.9 | 37.6 | 41.0 |
| Median 7(a) approval | $238K | $225K | $190K |
| Median 504 approval | $577K | $553K | $657K |
| Average approval | $596K | $569K | $573K |
| 504 share of approvals | 14.5% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 12.8 | 11.0 | 10.5 |
| Share of state approvals | 6.9% | 100.0% | — |
Approval sizes
- $50,000 or less17.0%67
- $50,001 to $150,00016.0%63
- $150,001 to $350,00024.2%95
- $350,001 to $1 million26.2%103
- $1 million to $2 million10.9%43
- Over $2 million5.6%22
Age of the businesses
- Existing, more than 2 years old49.4%194
- New business, 2 years or less9.4%37
- Startup, loan funds will open the business27.7%109
- Change of ownership13.5%53
Questions and answers
Which lenders make the most SBA loans in St. Charles County?
By approvals in FY2021 to FY2025: St. Charles County Economic Development Council (34), U.S. Bank, National Association (32), The Huntington National Bank (28), Midwest Regional Bank (21), Commerce Bank (17). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in St. Charles County?
The median 7(a) approval was $238K and the median 504 approval $577K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in St. Charles County?
Restaurants and Other Eating Places (47); Other Amusement and Recreation Industries (24); Agencies, Brokerages, and Other Insurance Related Activities (17); Building Equipment Contractors (15); Automotive Repair and Maintenance (14).
Is SBA lending in St. Charles County rising?
Approvals in the three latest complete fiscal years total 234, against 215 in the three before: broadly level (+9%).
How does St. Charles County compare with the rest of Missouri?
43.9 approvals per 1,000 establishments against 37.6 statewide, and 393 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