FY20201 Oct 2019 – 30 Sep 2020
SBA loans in Missouri, FY2020
That fiscal year's approvals by lender and by county.
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 FY2020 (1 October 2019 to 30 September 2020) SBA approved 892 loans in Missouri: 788 under 7(a) and 104 under 504, worth $428M.
That is about level with FY2019, when there were 934 approvals worth $441M.
Missouri accounted for 1.8% of the 49,417 approvals nationwide that year. 129 lenders had at least one approval in the state; U.S. Bank, National Association had the most, 107.
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.
Approvals by lender
The 40 lenders with the most approvals to Missouri businesses in FY2020, of 129 active.
| # | Lender | Program | Approvals | Dollars | Share of state | FY2019 | Change |
|---|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 7(a) | 107 | $9.0M | 12.0% | 107 | 0 |
| 2 | Rural Missouri, Inc. | 504 | 49 | $30.5M | 5.5% | 27 | +22 |
| 3 | OakStar Bank | 7(a) | 45 | $31.5M | 5.0% | 49 | -4 |
| 4 | Guaranty Bank | 7(a) | 37 | $13.2M | 4.1% | 45 | -8 |
| 5 | The Bank of Missouri | 7(a) | 36 | $11.5M | 4.0% | 48 | -12 |
| 6 | Legacy Bank & Trust Company | 7(a) | 32 | $9.2M | 3.6% | 13 | +19 |
| 7 | St. Charles County Economic Development Council | 504 | 26 | $26.1M | 2.9% | 35 | -9 |
| 8 | Midwest Regional Bank | 7(a) | 26 | $14.0M | 2.9% | 33 | -7 |
| 9 | The Central Trust Bank | 7(a) | 26 | $6.6M | 2.9% | 16 | +10 |
| 10 | Hawthorn Bank | 7(a) | 24 | $5.4M | 2.7% | 15 | +9 |
| 11 | Commerce Bank | 7(a) | 23 | $8.8M | 2.6% | 14 | +9 |
| 12 | Arvest Bank | 7(a) | 21 | $3.3M | 2.4% | 14 | +7 |
| 13 | Simmons Bank | 7(a) | 16 | $4.0M | 1.8% | 43 | -27 |
| 14 | Regent Bank | 7(a) | 14 | $7.9M | 1.6% | 5 | +9 |
| 15 | Southern Bank | 7(a) | 14 | $4.0M | 1.6% | 13 | +1 |
| 16 | Justine Petersen Housing & Reinvestment Corporation | 7(a) | 14 | $1.5M | 1.6% | 6 | +8 |
| 17 | American Bank of Freedom | 7(a) | 12 | $9.3M | 1.3% | 28 | -16 |
| 18 | UMB Bank, National Association | 7(a) | 12 | $3.3M | 1.3% | 13 | -1 |
| 19 | St. Louis Bank | 7(a) | 10 | $14.5M | 1.1% | 13 | -3 |
| 20 | Landmark National Bank | 7(a) | 10 | $11.0M | 1.1% | 4 | +6 |
| 21 | Heartland Business Capital, Inc. | 504 | 10 | $5.0M | 1.1% | 6 | +4 |
| 22 | Live Oak Banking Company | 7(a) | 9 | $12.9M | 1.0% | 7 | +2 |
| 23 | BayFirst National Bank | 7(a) | 9 | $5.5M | 1.0% | 18 | -9 |
| 24 | The Callaway Bank | 7(a) | 9 | $444K | 1.0% | 11 | -2 |
| 25 | Busey Bank | 7(a) | 8 | $7.1M | 0.9% | 14 | -6 |
| 26 | Wells Fargo Bank National Association | 7(a) | 8 | $5.1M | 0.9% | 4 | +4 |
| 27 | Enterprise Bank & Trust | 7(a) | 8 | $3.5M | 0.9% | 14 | -6 |
| 28 | Core Bank | 7(a) | 8 | $1.7M | 0.9% | 12 | -4 |
| 29 | United Midwest Savings Bank National Association | 7(a) | 8 | $1.2M | 0.9% | 18 | -10 |
| 30 | First National Bank of Omaha | 7(a) | 7 | $3.2M | 0.8% | 14 | -7 |
| 31 | The Huntington National Bank | 7(a) | 7 | $2.5M | 0.8% | 14 | -7 |
| 32 | First Financial Bank | 7(a) | 6 | $8.5M | 0.7% | 0 | new |
| 33 | The Bank of Houston | 7(a) | 6 | $5.3M | 0.7% | 0 | new |
| 34 | Enterprise Development Corporation | 504 | 6 | $4.6M | 0.7% | 4 | +2 |
| 35 | BMO Bank National Association | 7(a) | 6 | $2.3M | 0.7% | 5 | +1 |
| 36 | Five Star Bank | 7(a) | 6 | $1.5M | 0.7% | 5 | +1 |
| 37 | Branson Bank | 7(a) | 6 | $1.4M | 0.7% | 7 | -1 |
| 38 | Stearns Bank National Association | 7(a) | 6 | $948K | 0.7% | 13 | -7 |
| 39 | Montgomery Bank | 7(a) | 6 | $769K | 0.7% | 0 | new |
| 40 | Sullivan Bank | 7(a) | 6 | $761K | 0.7% | 3 | +3 |
Approvals by county
| # | County | Approvals | Dollars | Share of state | FY2019 | Change |
|---|---|---|---|---|---|---|
| 1 | St. Louis County | 140 | $89.7M | 15.7% | 156 | -16 |
| 2 | Jackson County | 105 | $51.2M | 11.8% | 109 | -4 |
| 3 | Greene County | 81 | $41.6M | 9.1% | 101 | -20 |
| 4 | St. Charles County | 56 | $37.3M | 6.3% | 82 | -26 |
| 5 | St. Louis city | 47 | $18.7M | 5.3% | 51 | -4 |
| 6 | Boone County | 45 | $9.9M | 5.0% | 43 | +2 |
| 7 | Clay County | 37 | $19.3M | 4.1% | 47 | -10 |
| 8 | Christian County | 30 | $11.6M | 3.4% | 34 | -4 |
| 9 | Jasper County | 28 | $6.9M | 3.1% | 21 | +7 |
| 10 | Platte County | 23 | $9.3M | 2.6% | 9 | +14 |
| 11 | Taney County | 23 | $6.9M | 2.6% | 29 | -6 |
| 12 | Jefferson County | 16 | $9.8M | 1.8% | 25 | -9 |
| 13 | Cole County | 15 | $10.2M | 1.7% | 14 | +1 |
| 14 | Franklin County | 13 | $3.3M | 1.5% | 18 | -5 |
| 15 | Laclede County | 11 | $2.0M | 1.2% | 5 | +6 |
| 16 | Camden County | 11 | $3.6M | 1.2% | 13 | -2 |
| 17 | Johnson County | 10 | $1.7M | 1.1% | 2 | +8 |
| 18 | Buchanan County | 10 | $15.5M | 1.1% | 4 | +6 |
| 19 | Polk County | 10 | $3.5M | 1.1% | 8 | +2 |
| 20 | Newton County | 9 | $8.7M | 1.0% | 6 | +3 |
| 21 | Lawrence County | 9 | $2.5M | 1.0% | 7 | +2 |
| 22 | Cass County | 9 | $2.6M | 1.0% | 12 | -3 |
| 23 | Callaway County | 9 | $2.5M | 1.0% | 5 | +4 |
| 24 | St. Francois County | 8 | $4.5M | 0.9% | 9 | -1 |
| 25 | Stone County | 8 | $1.3M | 0.9% | 7 | +1 |
| 26 | Webster County | 7 | $811K | 0.8% | 7 | 0 |
| 27 | Randolph County | 6 | $2.0M | 0.7% | 2 | +4 |
| 28 | Howell County | 5 | $642K | 0.6% | 1 | +4 |
| 29 | Vernon County | 5 | $802K | 0.6% | 3 | +2 |
| 30 | Audrain County | 5 | $2.8M | 0.6% | 1 | +4 |
| 31 | Pulaski County | 5 | $2.4M | 0.6% | 0 | new |
| 32 | Lincoln County | 5 | $2.3M | 0.6% | 4 | +1 |
| 33 | Scott County | 5 | $3.5M | 0.6% | 5 | 0 |
| 34 | Phelps County | 4 | $2.3M | 0.4% | 2 | +2 |
| 35 | McDonald County | 4 | $740K | 0.4% | 3 | +1 |
| 36 | Stoddard County | 4 | $141K | 0.4% | 3 | +1 |
| 37 | Bates County | 4 | $1.9M | 0.4% | 2 | +2 |
| 38 | Butler County | 4 | $6.0M | 0.4% | 2 | +2 |
| 39 | Wright County | 3 | $835K | 0.3% | 1 | +2 |
| 40 | Texas County | 3 | $353K | 0.3% | 0 | new |
The 40 counties with the most approvals; every county is on the Missouri page.
FY2020 against FY2019
| Missouri | FY2020 | FY2019 |
|---|---|---|
| 7(a) approvals | 788 | 846 |
| 7(a) dollars | $354M | $372M |
| Median 7(a) approval | $173K | $166K |
| 504 approvals | 104 | 88 |
| 504 dollars | $73.0M | $68.5M |
| Jobs supported, as reported | 10,533 | 9,539 |
Questions and answers
Which lenders made the most SBA loans in Missouri in FY2020?
U.S. Bank, National Association (107), Rural Missouri, Inc. (49), OakStar Bank (45), Guaranty Bank (37), The Bank of Missouri (36). 129 lenders had at least one approval.
How many SBA loans were approved in Missouri in FY2020?
892: 788 under 7(a) worth $354M and 104 under 504 worth $73.0M.
Which Missouri counties had the most SBA approvals in FY2020?
St. Louis County (140), Jackson County (105), Greene County (81), St. Charles County (56), St. Louis city (47).
When does FY2020 start and end?
The federal fiscal year 2020 runs from 1 October 2019 to 30 September 2020.
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