Lenders › The Central Trust Bank
7(a) lenderJefferson City, MissouriFDIC-insured bank150th of 2,184 by approvals
The Central Trust 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.
The Central Trust Bank, based in Jefferson City, Missouri, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 253 of its 7(a) loans worth $64.1M in FY2021 to FY2025, which places it 150th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 40 approvals totalling $11.0M, about level with FY2024 (39). FY2026 to 30 Jun 2026 adds 11 more.
The median approval was $110K, against $190K for the 7(a) program as a whole; 64.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 5 states and territories and 37 counties, led by Missouri (94.5%), Kansas (2.8%) and Colorado (1.6%). The largest industry group was accommodation and food services at 16.6% of approvals, and 5.9% of approvals were to franchise businesses.
Of 636 disbursed loans approved in FY2010 to FY2021, SBA records 50 as charged off (7.9%), 514 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 above 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* | 11 | $1.9M | $135K | $169K | 98 |
| FY2025 | 40 | $11.0M | $108K | $276K | 226 |
| FY2024 | 39 | $6.6M | $124K | $170K | 213 |
| FY2023 | 58 | $13.6M | $81K | $235K | 338 |
| FY2022 | 55 | $11.6M | $71K | $212K | 366 |
| FY2021 | 61 | $21.2M | $250K | $347K | 478 |
| FY2020 | 35 | $9.5M | $150K | $271K | 340 |
| FY2019 | 18 | $4.3M | $200K | $238K | 278 |
| FY2018 | 35 | $13.4M | $186K | $382K | 370 |
| FY2017 | 33 | $8.7M | $150K | $264K | 401 |
| FY2016 | 55 | $15.2M | $162K | $276K | 741 |
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 176 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 | 680 | 11,816 | 639,905 |
| Cancelled or never disbursed | 44 | 1,369 | 79,313 |
| Disbursed loans | 636 | 10,447 | 560,592 |
| Paid in full | 514 | 8,078 | 435,813 |
| Charged off | 50 | 777 | 36,891 |
| Still outstanding (status exempt from disclosure) | 72 | 1,592 | 87,888 |
| Charged off, share of disbursed loans | 7.9% | 7.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 4.6% | 3.6% | 2.5% |
| Dollars charged off | $7.0M | $149M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 54 | 20 | 2 | 3.7% | 2.8% |
| FY2020 | 31 | 16 | 5 | 16.1% | 4.0% |
| FY2019 | 16 | 10 | 0 | — | 6.7% |
| FY2018 | 33 | 26 | 1 | 3.0% | 7.9% |
| FY2017 | 32 | 26 | 4 | 12.5% | 7.7% |
| FY2016 | 52 | 41 | 4 | 7.7% | 7.2% |
| FY2015 | 41 | 34 | 3 | 7.3% | 6.9% |
| FY2014 | 43 | 36 | 7 | 16.3% | 6.4% |
| FY2013 | 57 | 54 | 2 | 3.5% | 6.0% |
| FY2012 | 75 | 67 | 6 | 8.0% | 6.3% |
| FY2011 | 91 | 84 | 5 | 5.5% | 6.9% |
| FY2010 | 111 | 100 | 11 | 9.9% | 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 | $110K | $190K |
| Average approval | $253K | $518K |
| Approvals of $150,000 or less | 64.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 40.7% | 34.3% |
| Approvals to franchise businesses | 5.9% | 11.5% |
| Jobs supported per approval, as reported | 6.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 7.9% | 6.6% |
States served
| # | State of the business (5 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Missouri | 239 | $51.6M | 94.5% | |
| 2 | Kansas | 7 | $2.2M | 2.8% | |
| 3 | Colorado | 4 | $5.6M | 1.6% | |
| 4 | Kentucky | 2 | — | 0.8% | |
| 5 | North Carolina | 1 | — | 0.4% |
In Missouri the lender accounts for 4.7% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (37 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Boone County, MO | 102 | $14.3M | 40.3% | |
| 2 | Johnson County, MO | 26 | $7.1M | 10.3% | |
| 3 | Jackson County, MO | 16 | $5.1M | 6.3% | |
| 4 | Lafayette County, MO | 10 | $1.5M | 4.0% | |
| 5 | Cole County, MO | 9 | $5.5M | 3.6% | |
| 6 | Callaway County, MO | 9 | $1.0M | 3.6% | |
| 7 | Clay County, MO | 7 | $1.6M | 2.8% | |
| 8 | Cooper County, MO | 6 | $2.8M | 2.4% | |
| 9 | Randolph County, MO | 6 | $453K | 2.4% | |
| 10 | Camden County, MO | 5 | $3.4M | 2.0% | |
| 11 | Miller County, MO | 5 | $1.1M | 2.0% | |
| 12 | St. Louis County, MO | 4 | $424K | 1.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 42 | 16.6% | |
| 2 | Retail Trade | 33 | 13.0% | |
| 3 | Other Services (except Public Administration) | 32 | 12.6% | |
| 4 | Health Care and Social Assistance | 24 | 9.5% | |
| 5 | Construction | 23 | 9.1% | |
| 6 | Manufacturing | 15 | 5.9% | |
| 7 | Transportation and Warehousing | 15 | 5.9% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 15 | 5.9% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 39 | 15.4% | |
| 2 | Personal Care ServicesNAICS 8121 | 11 | 4.3% | |
| 3 | Other Personal ServicesNAICS 8129 | 10 | 4.0% | |
| 4 | Child Day Care ServicesNAICS 6244 | 10 | 4.0% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 9 | 3.6% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 3.6% | |
| 7 | Building Finishing ContractorsNAICS 2383 | 5 | 2.0% | |
| 8 | Clothing and Clothing Accessories RetailersNAICS 4581 | 5 | 2.0% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 5 | 2.0% | |
| 10 | General Freight TruckingNAICS 4841 | 5 | 2.0% |
Approval sizes
- $50,000 or less26.5%67
- $50,001 to $150,00037.5%95
- $150,001 to $350,00018.2%46
- $350,001 to $1 million13.8%35
- $1 million to $2 million2.4%6
- Over $2 million1.6%4
Loan terms
- 5 years or less17.0%43
- Over 5 to 10 years66.4%168
- Over 10 to 20 years14.6%37
- Over 20 years2.0%5
Age of the businesses
- Existing, more than 2 years old51.8%131
- New business, 2 years or less32.8%83
- Startup, loan funds will open the business7.9%20
- Change of ownership7.5%19
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 123 | 48.6% | |
| 2 | SBA Express Program | 102 | 40.3% | |
| 3 | 7a General | 27 | 10.7% | |
| 4 | Contract CAPLine | 1 | 0.4% |
Franchise share
15 of 253 approvals in FY2021–FY2025 (5.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Cold Stone Creamery | 2 | 0.8% | |
| 2 | Anytime Fitness | 2 | 0.8% | |
| 3 | Jersey Mike’s Subs | 2 | 0.8% | |
| 4 | Pure Barre | 2 | 0.8% | |
| 5 | Goosehead Insurance | 2 | 0.8% | |
| 6 | The UPS Store | 1 | 0.4% | |
| 7 | Country Kitchen Restaurant | 1 | 0.4% | |
| 8 | Window Genie | 1 | 0.4% |
Questions and answers
How many SBA loans does The Central Trust Bank make?
SBA approved 40 7(a) loans through The Central Trust Bank in FY2025, worth $11.0M, and 253 over FY2021 to FY2025. That ranks 150th of 2,184 active 7(a) lenders by number of approvals.
How large are The Central Trust Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $110K and the average $253K. The program-wide median was $190K.
What is The Central Trust Bank's charge-off rate?
Of 636 disbursed loans approved in FY2010 to FY2021, SBA records 50 as charged off (7.9%), 514 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 above 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 The Central Trust Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (39); personal care services (11); other personal services (10); child day care services (10).
Where does The Central Trust Bank make SBA loans?
In 5 states and territories. Missouri 239, Kansas 7, Colorado 4, Kentucky 2, North Carolina 1. In Missouri it accounts for 4.7% of all 7(a) approvals.
Is The Central Trust Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 137, against 151 in the three before: broadly level (-9%).
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