Lenders › Guaranty Bank
7(a) lenderSpringfield, MissouriFDIC-insured bank338th of 2,184 by approvals
Guaranty Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
In FY2021 to FY2025 SBA approved 90 7(a) loans, worth $33.8M, through Guaranty Bank of Springfield, Missouri, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 338th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 0 approvals totalling —. FY2026 to 30 Jun 2026 adds 1 more.
The median approval was $200K, against $190K for the 7(a) program as a whole; 40.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 19 counties, led by Missouri (96.7%), Kansas (2.2%) and Arkansas (1.1%). The largest industry group was other services (except public administration) at 12.2% of approvals, and 5.6% of approvals were to franchise businesses.
Of 267 disbursed loans approved in FY2010 to FY2021, SBA records 20 as charged off (7.5%), 175 as paid in full and 72 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 1 | — | — | — | 8 |
| FY2025 | 0 | — | — | — | 0 |
| FY2024 | 3 | $611K | $100K | $204K | 87 |
| FY2023 | 12 | $2.4M | $175K | $203K | 80 |
| FY2022 | 27 | $8.5M | $180K | $315K | 285 |
| FY2021 | 48 | $22.2M | $308K | $463K | 371 |
| FY2020 | 38 | $13.7M | $256K | $361K | 354 |
| FY2019 | 50 | $14.2M | $150K | $283K | 306 |
| FY2018 | 35 | $15.2M | $213K | $435K | 500 |
| FY2017 | 31 | $16.7M | $300K | $538K | 280 |
| FY2016 | 32 | $18.6M | $300K | $581K | 437 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 186 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Missouri | 7(a) program |
|---|---|---|---|
| Approvals in these years | 290 | 11,816 | 639,905 |
| Cancelled or never disbursed | 23 | 1,369 | 79,313 |
| Disbursed loans | 267 | 10,447 | 560,592 |
| Paid in full | 175 | 8,078 | 435,813 |
| Charged off | 20 | 777 | 36,891 |
| Still outstanding (status exempt from disclosure) | 72 | 1,592 | 87,888 |
| Charged off, share of disbursed loans | 7.5% | 7.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 4.8% | 3.6% | 2.5% |
| Dollars charged off | $5.5M | $149M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 44 | 21 | 0 | 0.0% | 2.8% |
| FY2020 | 37 | 22 | 2 | 5.4% | 4.0% |
| FY2019 | 48 | 31 | 1 | 2.1% | 6.7% |
| FY2018 | 29 | 20 | 3 | — | 7.9% |
| FY2017 | 30 | 22 | 1 | 3.3% | 7.7% |
| FY2016 | 28 | 19 | 5 | — | 7.2% |
| FY2015 | 10 | 9 | 0 | — | 6.9% |
| FY2014 | 7 | 4 | 2 | — | 6.4% |
| FY2013 | 12 | 10 | 2 | — | 6.0% |
| FY2012 | 5 | 3 | 1 | — | 6.3% |
| FY2011 | 10 | 8 | 2 | — | 6.9% |
| FY2010 | 7 | 6 | 1 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $200K | $190K |
| Average approval | $375K | $518K |
| Approvals of $150,000 or less | 40.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 33.3% | 34.3% |
| Approvals to franchise businesses | 5.6% | 11.5% |
| Jobs supported per approval, as reported | 9.1 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 7.5% | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Missouri | 87 | $31.5M | 96.7% | |
| 2 | Kansas | 2 | — | 2.2% | |
| 3 | Arkansas | 1 | — | 1.1% |
In Missouri the lender accounts for 1.7% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (19 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Greene County, MO | 35 | $12.0M | 38.9% | |
| 2 | Jasper County, MO | 16 | $4.5M | 17.8% | |
| 3 | Christian County, MO | 11 | $3.5M | 12.2% | |
| 4 | Newton County, MO | 6 | $1.5M | 6.7% | |
| 5 | Phelps County, MO | 3 | $1.2M | 3.3% | |
| 6 | Taney County, MO | 2 | — | 2.2% | |
| 7 | Laclede County, MO | 2 | — | 2.2% | |
| 8 | Barry County, MO | 2 | — | 2.2% | |
| 9 | McDonald County, MO | 2 | — | 2.2% | |
| 10 | Lawrence County, MO | 2 | — | 2.2% | |
| 11 | Johnson County, KS | 1 | — | 1.1% | |
| 12 | Vernon County, MO | 1 | — | 1.1% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 11 | 12.2% | |
| 2 | Professional, Scientific, and Technical Services | 9 | 10.0% | |
| 3 | Accommodation and Food Services | 9 | 10.0% | |
| 4 | Retail Trade | 9 | 10.0% | |
| 5 | Manufacturing | 8 | 8.9% | |
| 6 | Health Care and Social Assistance | 8 | 8.9% | |
| 7 | Transportation and Warehousing | 8 | 8.9% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 6 | 6.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 5.6% | |
| 2 | Specialized Freight TruckingNAICS 4842 | 5 | 5.6% | |
| 3 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 4 | 4.4% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 3 | 3.3% | |
| 5 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 3 | 3.3% | |
| 6 | Support Activities for Crop ProductionNAICS 1151 | 3 | 3.3% | |
| 7 | Offices of PhysiciansNAICS 6211 | 3 | 3.3% | |
| 8 | Printing and Related Support ActivitiesNAICS 3231 | 3 | 3.3% | |
| 9 | Child Day Care ServicesNAICS 6244 | 3 | 3.3% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 3.3% |
Approval sizes
- $50,000 or less16.7%15
- $50,001 to $150,00023.3%21
- $150,001 to $350,00026.7%24
- $350,001 to $1 million27.8%25
- $1 million to $2 million3.3%3
- Over $2 million2.2%2
Loan terms
- 5 years or less6.7%6
- Over 5 to 10 years62.2%56
- Over 10 to 20 years6.7%6
- Over 20 years24.4%22
Age of the businesses
- Existing, more than 2 years old45.6%41
- New business, 2 years or less16.7%15
- Startup, loan funds will open the business16.7%15
- Change of ownership21.1%19
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 61 | 67.8% | |
| 2 | 7a General | 15 | 16.7% | |
| 3 | SBA Express Program | 13 | 14.4% | |
| 4 | International Trade Loans | 1 | 1.1% |
Franchise share
5 of 90 approvals in FY2021–FY2025 (5.6%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | One Hour Air Conditioning & Heating | 1 | 1.1% | |
| 2 | Petland | 1 | 1.1% | |
| 3 | Goosehead Insurance | 1 | 1.1% | |
| 4 | Benjamin Franklin Plumbing | 1 | 1.1% | |
| 5 | Farmers Insurance Agent Appointment Agreement | 1 | 1.1% |
Questions and answers
How many SBA loans does Guaranty Bank make?
SBA approved 0 7(a) loans through Guaranty Bank in FY2025, worth —, and 90 over FY2021 to FY2025. That ranks 338th of 2,184 active 7(a) lenders by number of approvals.
How large are Guaranty Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $200K and the average $375K. The program-wide median was $190K.
What is Guaranty Bank's charge-off rate?
Of 267 disbursed loans approved in FY2010 to FY2021, SBA records 20 as charged off (7.5%), 175 as paid in full and 72 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Guaranty Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (5); specialized freight trucking (5); other professional, scientific, and technical services (4); building equipment contractors (3).
Where does Guaranty Bank make SBA loans?
In 3 states and territories. Missouri 87, Kansas 2, Arkansas 1. In Missouri it accounts for 1.7% of all 7(a) approvals.
Is Guaranty Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 15, against 113 in the three before: falling (-87%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error