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County11th of 75 in Mississippi by approvalsFIPS 28067
SBA loans in Jones County, Mississippi
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 52 loans to businesses in Jones County, Mississippi, in FY2021 to FY2025, worth $37.8M: 49 under 7(a) and 3 under 504.
That is 39.8 approvals per 1,000 business establishments (1,306 establishments in 2023), above the Mississippi figure of 28.6 and close to the national 41.0.
It ranks 11th of 75 Mississippi counties with approvals. In FY2025 there were 10, down 9% on FY2024.
18 lenders had approvals here; the most active were Community Bank of Mississippi (11), Peoples Bank (7) and First Financial Bank (6). 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 Jones County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Community Bank of MississippiFlowood, MS | 11 | $2.6M | 21.2% | |
| 2 | Peoples BankMendenhall, MS | 7 | $2.0M | 13.5% | |
| 3 | First Financial BankEl Dorado, AR | 6 | $4.3M | 11.5% | |
| 4 | Covington County BankCollins, MS | 5 | $460K | 9.6% | |
| 5 | Trustmark BankJackson, MS | 4 | $1.4M | 7.7% | |
| 6 | Southern Bancorp BankArkadelphia, AR | 3 | $8.4M | 5.8% | |
| 7 | Central Mississippi Development Company, Inc.Jackson, MS · CDC | 2 | — | 3.8% | |
| 8 | BankPlusBelzoni, MS | 2 | — | 3.8% | |
| 9 | Renasant BankTupelo, MS | 2 | — | 3.8% | |
| 10 | First State BankWaynesboro, MS | 2 | — | 3.8% | |
| 11 | The Huntington National BankColumbus, OH | 1 | — | 1.9% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.9% | |
| 13 | Three Rivers Local Development Company, Inc.Pontotoc, MS · CDC | 1 | — | 1.9% | |
| 14 | UniBankLynnwood, WA | 1 | — | 1.9% | |
| 15 | United Midwest Savings Bank National AssociationDe Graff, OH | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Poultry and Egg ProductionNAICS 1123 | 13 | 25.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 9.6% | |
| 3 | Personal Care ServicesNAICS 8121 | 3 | 5.8% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 5.8% | |
| 5 | Lessors of Real EstateNAICS 5311 | 2 | 3.8% | |
| 6 | Gasoline StationsNAICS 4571 | 2 | 3.8% | |
| 7 | General Freight TruckingNAICS 4841 | 2 | 3.8% | |
| 8 | Automobile DealersNAICS 4411 | 1 | 1.9% | |
| 9 | Support Activities for MiningNAICS 2131 | 1 | 1.9% | |
| 10 | Traveler AccommodationNAICS 7211 | 1 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Agriculture, Forestry, Fishing and Hunting | 14 | 26.9% | |
| 2 | Retail Trade | 7 | 13.5% | |
| 3 | Accommodation and Food Services | 7 | 13.5% | |
| 4 | Other Services (except Public Administration) | 6 | 11.5% | |
| 5 | Construction | 4 | 7.7% | |
| 6 | Real Estate and Rental and Leasing | 3 | 5.8% | |
| 7 | Transportation and Warehousing | 3 | 5.8% | |
| 8 | Mining, Quarrying, and Oil and Gas Extraction | 2 | 3.8% |
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* | 9 | $5.0M | $495K | 0 | — | 9 | 203 |
| FY2025 | 10 | $5.4M | $397K | 0 | — | 10 | 77 |
| FY2024 | 8 | $6.1M | $578K | 3 | $7.7M | 11 | 63 |
| FY2023 | 5 | $8.8M | $1.6M | 0 | — | 5 | 20 |
| FY2022 | 12 | $6.0M | $126K | 0 | — | 12 | 123 |
| FY2021 | 14 | $3.7M | $177K | 0 | — | 14 | 118 |
| FY2020 | 6 | $1.7M | $187K | 1 | — | 7 | 39 |
| FY2019 | 5 | $4.8M | $790K | 0 | — | 5 | 22 |
| FY2018 | 8 | $4.1M | $271K | 0 | — | 8 | 87 |
| FY2017 | 11 | $9.6M | $215K | 0 | — | 11 | 65 |
| FY2016 | 17 | $9.6M | $150K | 0 | — | 17 | 77 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 48 approvals.
Against Mississippi and the country
| FY2021–FY2025 | Jones County | Mississippi | United States |
|---|---|---|---|
| Approvals | 52 | 1,729 | 342,825 |
| Approvals per 1,000 establishments | 39.8 | 28.6 | 41.0 |
| Median 7(a) approval | $239K | $200K | $190K |
| Median 504 approval | $1.6M | $1.1M | $657K |
| Average approval | $726K | $561K | $573K |
| 504 share of approvals | 5.8% | 2.3% | 11.0% |
| Jobs supported per approval, as reported | 7.7 | 10.2 | 10.5 |
| Share of state approvals | 3.0% | 100.0% | — |
Approval sizes
- $50,000 or less3.8%2
- $50,001 to $150,00030.8%16
- $150,001 to $350,00023.1%12
- $350,001 to $1 million17.3%9
- $1 million to $2 million17.3%9
- Over $2 million7.7%4
Age of the businesses
- Existing, more than 2 years old38.5%20
- New business, 2 years or less17.3%9
- Startup, loan funds will open the business28.8%15
- Change of ownership15.4%8
Questions and answers
Which lenders make the most SBA loans in Jones County?
By approvals in FY2021 to FY2025: Community Bank of Mississippi (11), Peoples Bank (7), First Financial Bank (6), Covington County Bank (5), Trustmark Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jones County?
The median 7(a) approval was $239K and the median 504 approval $1.6M; the Mississippi 7(a) median was $200K.
Which industries get the most SBA loans in Jones County?
Poultry and Egg Production (13); Restaurants and Other Eating Places (5); Personal Care Services (3); Automotive Repair and Maintenance (3); Lessors of Real Estate (2).
Is SBA lending in Jones County rising?
Approvals in the three latest complete fiscal years total 26, against 33 in the three before: falling (-21%).
How does Jones County compare with the rest of Mississippi?
39.8 approvals per 1,000 establishments against 28.6 statewide, and 52 of the state's 1,729 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