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County26th of 106 in Missouri by approvalsFIPS 29225
SBA loans in Webster 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 Webster County, Missouri, received 36 SBA loan approvals worth $13.9M in FY2021 to FY2025 (33 7(a), 3 504).
That is 48.5 approvals per 1,000 business establishments (743 establishments in 2023), above the Missouri figure of 37.6 and above the national 41.0.
It ranks 26th of 106 Missouri counties with approvals. In FY2025 there were 9.
13 lenders had approvals here; the most active were OakStar Bank (7), Legacy Bank & Trust Company (5) and U.S. Bank, National Association (5). The most common industry was automotive 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 Webster County
By number of approvals to businesses in the county, FY2021–FY2025; 13 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | OakStar BankSpringfield, MO | 7 | $3.5M | 19.4% | |
| 2 | Legacy Bank & Trust CompanyMt. Grove, MO | 5 | $1.2M | 13.9% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 5 | $215K | 13.9% | |
| 4 | Rural Missouri, Inc.Jefferson City, MO · CDC | 3 | $2.9M | 8.3% | |
| 5 | Regent BankTulsa, OK | 3 | $1.6M | 8.3% | |
| 6 | Southern BankPoplar Bluff, MO | 3 | $597K | 8.3% | |
| 7 | OMB BankSpringfield, MO | 2 | — | 5.6% | |
| 8 | Heritage Bank of the OzarksLebanon, MO | 2 | — | 5.6% | |
| 9 | The Bank of MissouriPerryville, MO | 2 | — | 5.6% | |
| 10 | Citizens Bank of RogersvilleRogersville, MO | 1 | — | 2.8% | |
| 11 | The Huntington National BankColumbus, OH | 1 | — | 2.8% | |
| 12 | Guaranty BankSpringfield, MO | 1 | — | 2.8% | |
| 13 | Northeast BankLewiston, ME | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 8.3% | |
| 2 | Residential Building ConstructionNAICS 2361 | 3 | 8.3% | |
| 3 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 2 | 5.6% | |
| 4 | Animal Food ManufacturingNAICS 3111 | 2 | 5.6% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 5.6% | |
| 6 | Lessors of Real EstateNAICS 5311 | 2 | 5.6% | |
| 7 | Specialty Food StoresNAICS 4452 | 2 | 5.6% | |
| 8 | Other Wood Product ManufacturingNAICS 3219 | 1 | 2.8% | |
| 9 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 1 | 2.8% | |
| 10 | Other Support ServicesNAICS 5619 | 1 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 8 | 22.2% | |
| 2 | Manufacturing | 5 | 13.9% | |
| 3 | Wholesale Trade | 4 | 11.1% | |
| 4 | Retail Trade | 3 | 8.3% | |
| 5 | Real Estate and Rental and Leasing | 3 | 8.3% | |
| 6 | Other Services (except Public Administration) | 3 | 8.3% | |
| 7 | Professional, Scientific, and Technical Services | 3 | 8.3% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 2 | 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* | 2 | — | — | 0 | — | 2 | 14 |
| FY2025 | 9 | $2.0M | $140K | 0 | — | 9 | 31 |
| FY2024 | 3 | $1.7M | $526K | 1 | — | 4 | 50 |
| FY2023 | 6 | $2.3M | $358K | 1 | — | 7 | 67 |
| FY2022 | 9 | $2.6M | $112K | 1 | — | 10 | 37 |
| FY2021 | 6 | $2.4M | $270K | 0 | — | 6 | 33 |
| FY2020 | 5 | $264K | $72K | 2 | — | 7 | 22 |
| FY2019 | 7 | $725K | $65K | 0 | — | 7 | 43 |
| FY2018 | 9 | $1.6M | $150K | 1 | — | 10 | 31 |
| FY2017 | 11 | $1.3M | $100K | 0 | — | 11 | 44 |
| FY2016 | 7 | $980K | $150K | 0 | — | 7 | 91 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 42 approvals.
Against Missouri and the country
| FY2021–FY2025 | Webster County | Missouri | United States |
|---|---|---|---|
| Approvals | 36 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 48.5 | 37.6 | 41.0 |
| Median 7(a) approval | $175K | $225K | $190K |
| Median 504 approval | $1.3M | $553K | $657K |
| Average approval | $386K | $569K | $573K |
| 504 share of approvals | 8.3% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 6.1 | 11.0 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less19.4%7
- $50,001 to $150,00025.0%9
- $150,001 to $350,00019.4%7
- $350,001 to $1 million25.0%9
- $1 million to $2 million11.1%4
Age of the businesses
- Existing, more than 2 years old44.4%16
- New business, 2 years or less19.4%7
- Startup, loan funds will open the business19.4%7
- Change of ownership16.7%6
Questions and answers
Which lenders make the most SBA loans in Webster County?
By approvals in FY2021 to FY2025: OakStar Bank (7), Legacy Bank & Trust Company (5), U.S. Bank, National Association (5), Rural Missouri, Inc. (3), Regent Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Webster County?
The median 7(a) approval was $175K and the median 504 approval $1.3M; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Webster County?
Automotive Repair and Maintenance (3); Residential Building Construction (3); Miscellaneous Durable Goods Merchant Wholesalers (2); Animal Food Manufacturing (2); Other Specialty Trade Contractors (2).
Is SBA lending in Webster County rising?
Approvals in the three latest complete fiscal years total 20, against 23 in the three before: falling (-13%).
How does Webster County compare with the rest of Missouri?
48.5 approvals per 1,000 establishments against 37.6 statewide, and 36 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