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County25th of 106 in Missouri by approvalsFIPS 29187
SBA loans in St. Francois 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 39 loans to businesses in St. Francois County, Missouri, in FY2021 to FY2025, worth $19.6M: 39 under 7(a) and 0 under 504.
That is 27.1 approvals per 1,000 business establishments (1,438 establishments in 2023), below the Missouri figure of 37.6 and below the national 41.0.
It ranks 25th of 106 Missouri counties with approvals. In FY2025 there were 11.
18 lenders had approvals here; the most active were Belgrade State Bank (13), U.S. Bank, National Association (4) and OakStar Bank (3). The most common industry was personal and household goods 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 St. Francois County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Belgrade State BankBelgrade, MO | 13 | $8.4M | 33.3% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 4 | $1.0M | 10.3% | |
| 3 | OakStar BankSpringfield, MO | 3 | $642K | 7.7% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 2 | — | 5.1% | |
| 5 | Bank of Franklin CountyWashington, MO | 2 | — | 5.1% | |
| 6 | United Community BankGreenville, SC | 2 | — | 5.1% | |
| 7 | Northeast BankLewiston, ME | 2 | — | 5.1% | |
| 8 | Banc of CaliforniaLos Angeles, CA | 1 | — | 2.6% | |
| 9 | Regions BankBirmingham, AL | 1 | — | 2.6% | |
| 10 | Metro City BankDoraville, GA | 1 | — | 2.6% | |
| 11 | First Financial BankEl Dorado, AR | 1 | — | 2.6% | |
| 12 | Fountainhead SBF LLCOrlando, FL | 1 | — | 2.6% | |
| 13 | FDIC - Community Bank & Trust-West GeorgiaLagrange, GA | 1 | — | 2.6% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.6% | |
| 15 | The Huntington National BankColumbus, OH | 1 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Personal and Household Goods Repair and MaintenanceNAICS 8114 | 3 | 7.7% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 5.1% | |
| 3 | Lessors of Real EstateNAICS 5311 | 2 | 5.1% | |
| 4 | Paint, Coating, and Adhesive ManufacturingNAICS 3255 | 2 | 5.1% | |
| 5 | Health and Personal Care StoresNAICS 4461 | 2 | 5.1% | |
| 6 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 2 | 5.1% | |
| 7 | General Freight TruckingNAICS 4841 | 2 | 5.1% | |
| 8 | Special Food ServicesNAICS 7223 | 2 | 5.1% | |
| 9 | Gasoline StationsNAICS 4571 | 1 | 2.6% | |
| 10 | Automobile DealersNAICS 4411 | 1 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 28.2% | |
| 2 | Accommodation and Food Services | 4 | 10.3% | |
| 3 | Other Services (except Public Administration) | 4 | 10.3% | |
| 4 | Real Estate and Rental and Leasing | 3 | 7.7% | |
| 5 | Construction | 3 | 7.7% | |
| 6 | Health Care and Social Assistance | 3 | 7.7% | |
| 7 | Arts, Entertainment, and Recreation | 2 | 5.1% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 2 | 5.1% |
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* | 3 | $347K | $142K | 0 | — | 3 | 10 |
| FY2025 | 11 | $2.6M | $124K | 0 | — | 11 | 133 |
| FY2024 | 9 | $1.9M | $214K | 0 | — | 9 | 53 |
| FY2023 | 7 | $6.8M | $764K | 0 | — | 7 | 80 |
| FY2022 | 5 | $2.5M | $215K | 0 | — | 5 | 47 |
| FY2021 | 7 | $5.8M | $823K | 0 | — | 7 | 216 |
| FY2020 | 8 | $4.5M | $497K | 0 | — | 8 | 42 |
| FY2019 | 9 | $5.9M | $218K | 0 | — | 9 | 50 |
| FY2018 | 13 | $2.3M | $179K | 2 | — | 15 | 274 |
| FY2017 | 11 | $9.5M | $1.0M | 1 | — | 12 | 460 |
| FY2016 | 14 | $5.5M | $173K | 1 | — | 15 | 81 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 59 approvals.
Against Missouri and the country
| FY2021–FY2025 | St. Francois County | Missouri | United States |
|---|---|---|---|
| Approvals | 39 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 27.1 | 37.6 | 41.0 |
| Median 7(a) approval | $305K | $225K | $190K |
| Median 504 approval | — | $553K | $657K |
| Average approval | $503K | $569K | $573K |
| 504 share of approvals | 0.0% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 13.6 | 11.0 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less15.4%6
- $50,001 to $150,00023.1%9
- $150,001 to $350,00017.9%7
- $350,001 to $1 million33.3%13
- $1 million to $2 million7.7%3
- Over $2 million2.6%1
Age of the businesses
- Existing, more than 2 years old43.6%17
- New business, 2 years or less10.3%4
- Startup, loan funds will open the business25.6%10
- Change of ownership20.5%8
Questions and answers
Which lenders make the most SBA loans in St. Francois County?
By approvals in FY2021 to FY2025: Belgrade State Bank (13), U.S. Bank, National Association (4), OakStar Bank (3), Live Oak Banking Company (2), Bank of Franklin County (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in St. Francois County?
The median 7(a) approval was $305K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in St. Francois County?
Personal and Household Goods Repair and Maintenance (3); Restaurants and Other Eating Places (2); Lessors of Real Estate (2); Paint, Coating, and Adhesive Manufacturing (2); Health and Personal Care Stores (2).
Is SBA lending in St. Francois County rising?
Approvals in the three latest complete fiscal years total 27, against 20 in the three before: rising (+35%).
How does St. Francois County compare with the rest of Missouri?
27.1 approvals per 1,000 establishments against 37.6 statewide, and 39 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