Lenders › St. Louis Bank
7(a) lenderSt. Louis, MissouriFDIC-insured bank244th of 2,184 by approvals
St. Louis 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.
St. Louis Bank, based in St. Louis, Missouri, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 146 of its 7(a) loans worth $168M in FY2021 to FY2025, which places it 244th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 26 approvals totalling $31.1M, about level with FY2024 (26). FY2026 to 30 Jun 2026 adds 1 more.
The median approval was $713K, against $190K for the 7(a) program as a whole; 2.1% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 4 states and territories and 21 counties, led by Arizona (54.1%), Missouri (38.4%) and Illinois (6.8%). The largest industry group was accommodation and food services at 15.1% of approvals, and 20.5% of approvals were to franchise businesses.
Of 104 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (1.0%), 77 as paid in full and 26 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below 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 | — | — | — | 12 |
| FY2025 | 26 | $31.1M | $765K | $1.2M | 253 |
| FY2024 | 26 | $24.8M | $677K | $955K | 354 |
| FY2023 | 28 | $39.7M | $617K | $1.4M | 445 |
| FY2022 | 32 | $40.9M | $935K | $1.3M | 532 |
| FY2021 | 34 | $31.1M | $513K | $915K | 376 |
| FY2020 | 25 | $29.8M | $810K | $1.2M | 352 |
| FY2019 | 21 | $26.7M | $745K | $1.3M | 281 |
| FY2018 | 3 | $870K | $270K | $290K | 24 |
| FY2017 | 0 | — | — | — | 0 |
| FY2016 | 1 | — | — | — | 52 |
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 50 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 | Arizona | 7(a) program |
|---|---|---|---|
| Approvals in these years | 110 | 12,990 | 639,905 |
| Cancelled or never disbursed | 6 | 1,486 | 79,313 |
| Disbursed loans | 104 | 11,504 | 560,592 |
| Paid in full | 77 | 8,917 | 435,813 |
| Charged off | 1 | 692 | 36,891 |
| Still outstanding (status exempt from disclosure) | 26 | 1,895 | 87,888 |
| Charged off, share of disbursed loans | 1.0% | 6.0% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.2% | 1.9% | 2.5% |
| Dollars charged off | $200K | $110M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 32 | 21 | 1 | 3.1% | 2.8% |
| FY2020 | 25 | 17 | 0 | — | 4.0% |
| FY2019 | 19 | 12 | 0 | — | 6.7% |
| FY2018 | 2 | 1 | 0 | — | 7.9% |
| FY2017 | 0 | 0 | 0 | — | 7.7% |
| FY2016 | 1 | 1 | 0 | — | 7.2% |
| FY2015 | 0 | 0 | 0 | — | 6.9% |
| FY2014 | 3 | 3 | 0 | — | 6.4% |
| FY2013 | 3 | 3 | 0 | — | 6.0% |
| FY2012 | 5 | 5 | 0 | — | 6.3% |
| FY2011 | 10 | 10 | 0 | — | 6.9% |
| FY2010 | 4 | 4 | 0 | — | 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 | $713K | $190K |
| Average approval | $1.1M | $518K |
| Approvals of $150,000 or less | 2.1% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 22.6% | 34.3% |
| Approvals to franchise businesses | 20.5% | 11.5% |
| Jobs supported per approval, as reported | 13.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 1.0% | 6.6% |
States served
| # | State of the business (4 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Arizona | 79 | $103M | 54.1% | |
| 2 | Missouri | 56 | $53.2M | 38.4% | |
| 3 | Illinois | 10 | $9.6M | 6.8% | |
| 4 | Kansas | 1 | — | 0.7% |
In Arizona the lender accounts for 1.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (21 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Maricopa County, AZ | 40 | $57.4M | 27.4% | |
| 2 | St. Louis County, MO | 29 | $28.2M | 19.9% | |
| 3 | Yavapai County, AZ | 19 | $15.4M | 13.0% | |
| 4 | St. Charles County, MO | 10 | $7.3M | 6.8% | |
| 5 | Coconino County, AZ | 7 | $10.0M | 4.8% | |
| 6 | St. Louis city, MO | 6 | $6.0M | 4.1% | |
| 7 | Madison County, IL | 6 | $4.5M | 4.1% | |
| 8 | Pima County, AZ | 5 | $8.0M | 3.4% | |
| 9 | Mohave County, AZ | 4 | $8.6M | 2.7% | |
| 10 | Jefferson County, MO | 4 | $4.4M | 2.7% | |
| 11 | St. Clair County, IL | 3 | $1.7M | 2.1% | |
| 12 | Pinal County, AZ | 2 | — | 1.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 22 | 15.1% | |
| 2 | Other Services (except Public Administration) | 18 | 12.3% | |
| 3 | Retail Trade | 17 | 11.6% | |
| 4 | Construction | 16 | 11.0% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 16 | 11.0% | |
| 6 | Manufacturing | 11 | 7.5% | |
| 7 | Professional, Scientific, and Technical Services | 10 | 6.8% | |
| 8 | Health Care and Social Assistance | 10 | 6.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 17 | 11.6% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 11 | 7.5% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 4.8% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 4.1% | |
| 5 | Building Finishing ContractorsNAICS 2383 | 5 | 3.4% | |
| 6 | Specialty Food StoresNAICS 4452 | 5 | 3.4% | |
| 7 | Personal Care ServicesNAICS 8121 | 5 | 3.4% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 4 | 2.7% | |
| 9 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 4 | 2.7% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 2.1% |
Approval sizes
- $50,001 to $150,0002.1%3
- $150,001 to $350,00017.1%25
- $350,001 to $1 million43.8%64
- $1 million to $2 million21.2%31
- Over $2 million15.8%23
Loan terms
- 5 years or less2.7%4
- Over 5 to 10 years56.8%83
- Over 10 to 20 years28.1%41
- Over 20 years12.3%18
Age of the businesses
- Existing, more than 2 years old12.3%18
- New business, 2 years or less4.1%6
- Startup, loan funds will open the business18.5%27
- Change of ownership65.1%95
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 134 | 91.8% | |
| 2 | 7a General | 9 | 6.2% | |
| 3 | Working Capital CAPLine | 3 | 2.1% |
Franchise share
30 of 146 approvals in FY2021–FY2025 (20.5%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Crumbl | 3 | 2.1% | |
| 2 | Dippin' Dots | 2 | 1.4% | |
| 3 | Imo's Pizza | 2 | 1.4% | |
| 4 | F45 Training | 2 | 1.4% | |
| 5 | Any LabTest Now | 2 | 1.4% | |
| 6 | 4Ever Young | 2 | 1.4% | |
| 7 | Quantum Assurance International | 2 | 1.4% | |
| 8 | Carstar | 1 | 0.7% |
Questions and answers
How many SBA loans does St. Louis Bank make?
SBA approved 26 7(a) loans through St. Louis Bank in FY2025, worth $31.1M, and 146 over FY2021 to FY2025. That ranks 244th of 2,184 active 7(a) lenders by number of approvals.
How large are St. Louis Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $713K and the average $1.1M. The program-wide median was $190K.
What is St. Louis Bank's charge-off rate?
Of 104 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (1.0%), 77 as paid in full and 26 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below 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 St. Louis Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (17); services to buildings and dwellings (11); automotive repair and maintenance (7); other amusement and recreation industries (6).
Where does St. Louis Bank make SBA loans?
In 4 states and territories. Arizona 79, Missouri 56, Illinois 10, Kansas 1. In Arizona it accounts for 1.3% of all 7(a) approvals.
Is St. Louis Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 80, against 91 in the three before: falling (-12%).
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