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County15th of 75 in Mississippi by approvalsFIPS 28123
SBA loans in Scott 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 30 loans to businesses in Scott County, Mississippi, in FY2021 to FY2025, worth $30.1M: 30 under 7(a) and 0 under 504.
That is 65.5 approvals per 1,000 business establishments (458 establishments in 2023), above the Mississippi figure of 28.6 and above the national 41.0.
It ranks 15th of 75 Mississippi counties with approvals. In FY2025 there were 9.
10 lenders had approvals here; the most active were Community Bank of Mississippi (12), Trustmark Bank (4) and Live Oak Banking Company (3). 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 Scott County
By number of approvals to businesses in the county, FY2021–FY2025; 10 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Community Bank of MississippiFlowood, MS | 12 | $10.6M | 40.0% | |
| 2 | Trustmark BankJackson, MS | 4 | $179K | 13.3% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 3 | $8.1M | 10.0% | |
| 4 | First Financial BankEl Dorado, AR | 3 | $1.4M | 10.0% | |
| 5 | BankFirst Financial ServicesColumbus, MS | 2 | — | 6.7% | |
| 6 | Northeast BankLewiston, ME | 2 | — | 6.7% | |
| 7 | Southern Bancorp BankArkadelphia, AR | 1 | — | 3.3% | |
| 8 | Centerstone SBA Lending, Inc.Los Angeles, CA | 1 | — | 3.3% | |
| 9 | State Bank of TexasIrving, TX | 1 | — | 3.3% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Poultry and Egg ProductionNAICS 1123 | 16 | 53.3% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 3 | 10.0% | |
| 3 | Traveler AccommodationNAICS 7211 | 2 | 6.7% | |
| 4 | Sawmills and Wood PreservationNAICS 3211 | 1 | 3.3% | |
| 5 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 1 | 3.3% | |
| 6 | Other General Purpose Machinery ManufacturingNAICS 3339 | 1 | 3.3% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 1 | 3.3% | |
| 8 | Other Animal ProductionNAICS 1129 | 1 | 3.3% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 1 | 3.3% | |
| 10 | Clothing and Clothing Accessories RetailersNAICS 4581 | 1 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Agriculture, Forestry, Fishing and Hunting | 17 | 56.7% | |
| 2 | Administrative and Support and Waste Management and Remediation Services | 3 | 10.0% | |
| 3 | Manufacturing | 2 | 6.7% | |
| 4 | Accommodation and Food Services | 2 | 6.7% | |
| 5 | Professional, Scientific, and Technical Services | 1 | 3.3% | |
| 6 | Arts, Entertainment, and Recreation | 1 | 3.3% | |
| 7 | Construction | 1 | 3.3% | |
| 8 | Retail Trade | 1 | 3.3% |
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 | 21 |
| FY2025 | 9 | $11.0M | $643K | 0 | — | 9 | 30 |
| FY2024 | 6 | $2.4M | $79K | 0 | — | 6 | 21 |
| FY2023 | 5 | $4.9M | $1.1M | 0 | — | 5 | 14 |
| FY2022 | 4 | $2.2M | $278K | 0 | — | 4 | 30 |
| FY2021 | 6 | $9.6M | $1.5M | 0 | — | 6 | 57 |
| FY2020 | 2 | — | — | 0 | — | 2 | 30 |
| FY2019 | 0 | — | — | 0 | — | 0 | 0 |
| FY2018 | 1 | — | — | 0 | — | 1 | 3 |
| FY2017 | 8 | $1.0M | $83K | 0 | — | 8 | 34 |
| FY2016 | 14 | $5.9M | $93K | 0 | — | 14 | 36 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 25 approvals.
Against Mississippi and the country
| FY2021–FY2025 | Scott County | Mississippi | United States |
|---|---|---|---|
| Approvals | 30 | 1,729 | 342,825 |
| Approvals per 1,000 establishments | 65.5 | 28.6 | 41.0 |
| Median 7(a) approval | $682K | $200K | $190K |
| Median 504 approval | — | $1.1M | $657K |
| Average approval | $1.0M | $561K | $573K |
| 504 share of approvals | 0.0% | 2.3% | 11.0% |
| Jobs supported per approval, as reported | 5.1 | 10.2 | 10.5 |
| Share of state approvals | 1.7% | 100.0% | — |
Approval sizes
- $50,000 or less10.0%3
- $50,001 to $150,00016.7%5
- $150,001 to $350,00013.3%4
- $350,001 to $1 million20.0%6
- $1 million to $2 million26.7%8
- Over $2 million13.3%4
Age of the businesses
- Existing, more than 2 years old36.7%11
- New business, 2 years or less10.0%3
- Startup, loan funds will open the business36.7%11
- Change of ownership16.7%5
Questions and answers
Which lenders make the most SBA loans in Scott County?
By approvals in FY2021 to FY2025: Community Bank of Mississippi (12), Trustmark Bank (4), Live Oak Banking Company (3), First Financial Bank (3), BankFirst Financial Services (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Scott County?
The median 7(a) approval was $682K; the Mississippi 7(a) median was $200K.
Which industries get the most SBA loans in Scott County?
Poultry and Egg Production (16); Services to Buildings and Dwellings (3); Traveler Accommodation (2); Sawmills and Wood Preservation (1); Other Professional, Scientific, and Technical Services (1).
Is SBA lending in Scott County rising?
Approvals in the three latest complete fiscal years total 20, against 12 in the three before: rising (+67%).
How does Scott County compare with the rest of Mississippi?
65.5 approvals per 1,000 establishments against 28.6 statewide, and 30 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