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County30th of 106 in Missouri by approvalsFIPS 29209
SBA loans in Stone 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 32 loans to businesses in Stone County, Missouri, in FY2021 to FY2025, worth $17.1M: 28 under 7(a) and 4 under 504.
That is 43.5 approvals per 1,000 business establishments (736 establishments in 2023), above the Missouri figure of 37.6 and close to the national 41.0.
It ranks 30th of 106 Missouri counties with approvals. In FY2025 there were 5.
16 lenders had approvals here; the most active were Branson Bank (5), Rural Missouri, Inc. (4) and U.S. Bank, National Association (4). The most common industry was traveler accommodation.
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 Stone County
By number of approvals to businesses in the county, FY2021–FY2025; 16 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Branson BankBranson, MO | 5 | $1.5M | 15.6% | |
| 2 | Rural Missouri, Inc.Jefferson City, MO · CDC | 4 | $3.8M | 12.5% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 4 | $69K | 12.5% | |
| 4 | Equity BankAndover, KS | 3 | $3.9M | 9.4% | |
| 5 | OakStar BankSpringfield, MO | 3 | $2.3M | 9.4% | |
| 6 | Legacy Bank & Trust CompanyMt. Grove, MO | 3 | $1.9M | 9.4% | |
| 7 | St. Louis BankSt. Louis, MO | 1 | — | 3.1% | |
| 8 | Stone BankMountain View, AR | 1 | — | 3.1% | |
| 9 | The Bank of MissouriPerryville, MO | 1 | — | 3.1% | |
| 10 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 3.1% | |
| 11 | Guaranty BankSpringfield, MO | 1 | — | 3.1% | |
| 12 | Mid-Missouri BankSpringfield, MO | 1 | — | 3.1% | |
| 13 | Simmons BankPine Bluff, AR | 1 | — | 3.1% | |
| 14 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 3.1% | |
| 15 | Four States Bank, Inc.Carthage, MO | 1 | — | 3.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 4 | 12.5% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 9.4% | |
| 3 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 6.3% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 6.3% | |
| 5 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 6.3% | |
| 6 | Building Material and Supplies DealersNAICS 4441 | 1 | 3.1% | |
| 7 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 1 | 3.1% | |
| 8 | Poultry and Egg ProductionNAICS 1123 | 1 | 3.1% | |
| 9 | Steel Product Manufacturing from Purchased SteelNAICS 3312 | 1 | 3.1% | |
| 10 | Department StoresNAICS 4551 | 1 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 9 | 28.1% | |
| 2 | Retail Trade | 6 | 18.8% | |
| 3 | Other Services (except Public Administration) | 5 | 15.6% | |
| 4 | Construction | 4 | 12.5% | |
| 5 | Manufacturing | 2 | 6.3% | |
| 6 | Real Estate and Rental and Leasing | 2 | 6.3% | |
| 7 | Agriculture, Forestry, Fishing and Hunting | 1 | 3.1% | |
| 8 | Health Care and Social Assistance | 1 | 3.1% |
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 | $1.3M | $150K | 0 | — | 3 | 17 |
| FY2025 | 4 | $2.0M | $474K | 1 | — | 5 | 12 |
| FY2024 | 8 | $1.2M | $132K | 1 | — | 9 | 44 |
| FY2023 | 4 | $825K | $228K | 0 | — | 4 | 25 |
| FY2022 | 6 | $5.6M | $483K | 0 | — | 6 | 113 |
| FY2021 | 6 | $3.8M | $625K | 2 | — | 8 | 23 |
| FY2020 | 8 | $1.3M | $131K | 0 | — | 8 | 48 |
| FY2019 | 5 | $6.7M | $896K | 2 | — | 7 | 27 |
| FY2018 | 8 | $1.1M | $85K | 2 | — | 10 | 73 |
| FY2017 | 6 | $1.8M | $155K | 0 | — | 6 | 91 |
| FY2016 | 9 | $3.1M | $307K | 0 | — | 9 | 119 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 40 approvals.
Against Missouri and the country
| FY2021–FY2025 | Stone County | Missouri | United States |
|---|---|---|---|
| Approvals | 32 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 43.5 | 37.6 | 41.0 |
| Median 7(a) approval | $258K | $225K | $190K |
| Median 504 approval | $550K | $553K | $657K |
| Average approval | $534K | $569K | $573K |
| 504 share of approvals | 12.5% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 6.8 | 11.0 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less21.9%7
- $50,001 to $150,00015.6%5
- $150,001 to $350,00018.8%6
- $350,001 to $1 million25.0%8
- $1 million to $2 million12.5%4
- Over $2 million6.3%2
Age of the businesses
- Existing, more than 2 years old28.1%9
- New business, 2 years or less21.9%7
- Startup, loan funds will open the business25.0%8
- Change of ownership25.0%8
Questions and answers
Which lenders make the most SBA loans in Stone County?
By approvals in FY2021 to FY2025: Branson Bank (5), Rural Missouri, Inc. (4), U.S. Bank, National Association (4), Equity Bank (3), OakStar Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Stone County?
The median 7(a) approval was $258K and the median 504 approval $550K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Stone County?
Traveler Accommodation (4); Restaurants and Other Eating Places (3); RV (Recreational Vehicle) Parks and Recreational Camps (2); Other Specialty Trade Contractors (2); Foundation, Structure, and Building Exterior Contractors (2).
Is SBA lending in Stone County rising?
Approvals in the three latest complete fiscal years total 18, against 22 in the three before: falling (-18%).
How does Stone County compare with the rest of Missouri?
43.5 approvals per 1,000 establishments against 37.6 statewide, and 32 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