FY20221 Oct 2021 – 30 Sep 2022
SBA loans in Missouri, FY2022
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 FY2022 (1 October 2021 to 30 September 2022) SBA approved 1,069 loans in Missouri: 916 under 7(a) and 153 under 504, worth $534M.
That is down 13% on FY2021, when there were 1,222 approvals worth $744M.
Missouri accounted for 1.9% of the 56,932 approvals nationwide that year. 159 lenders had at least one approval in the state; Rural Missouri, Inc. had the most, 86.
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 FY2022, of 159 active.
| # | Lender | Program | Approvals | Dollars | Share of state | FY2021 | Change |
|---|---|---|---|---|---|---|---|
| 1 | Rural Missouri, Inc. | 504 | 86 | $66.2M | 8.0% | 65 | +21 |
| 2 | U.S. Bank, National Association | 7(a) | 74 | $5.0M | 6.9% | 48 | +26 |
| 3 | OakStar Bank | 7(a) | 66 | $34.6M | 6.2% | 98 | -32 |
| 4 | The Central Trust Bank | 7(a) | 51 | $10.8M | 4.8% | 57 | -6 |
| 5 | The Bank of Missouri | 7(a) | 46 | $15.0M | 4.3% | 40 | +6 |
| 6 | The Huntington National Bank | 7(a) | 32 | $12.5M | 3.0% | 7 | +25 |
| 7 | Commerce Bank | 7(a) | 27 | $10.3M | 2.5% | 42 | -15 |
| 8 | Legacy Bank & Trust Company | 7(a) | 27 | $9.5M | 2.5% | 30 | -3 |
| 9 | Guaranty Bank | 7(a) | 27 | $8.5M | 2.5% | 45 | -18 |
| 10 | Regent Bank | 7(a) | 22 | $11.1M | 2.1% | 28 | -6 |
| 11 | Live Oak Banking Company | 7(a) | 21 | $18.9M | 2.0% | 13 | +8 |
| 12 | The Bank of Houston | 7(a) | 20 | $19.2M | 1.9% | 16 | +4 |
| 13 | Midwest Regional Bank | 7(a) | 19 | $13.8M | 1.8% | 19 | 0 |
| 14 | Arvest Bank | 7(a) | 18 | $3.0M | 1.7% | 19 | -1 |
| 15 | Newtek Small Business Finance, Inc. | 7(a) | 17 | $12.1M | 1.6% | 11 | +6 |
| 16 | The Callaway Bank | 7(a) | 17 | $2.6M | 1.6% | 14 | +3 |
| 17 | Justine Petersen Housing & Reinvestment Corporation | 7(a) | 16 | $2.0M | 1.5% | 13 | +3 |
| 18 | Busey Bank | 7(a) | 15 | $17.8M | 1.4% | 12 | +3 |
| 19 | St. Louis Bank | 7(a) | 15 | $16.3M | 1.4% | 14 | +1 |
| 20 | STL Partnership CDC | 504 | 15 | $12.1M | 1.4% | 5 | +10 |
| 21 | Hawthorn Bank | 7(a) | 14 | $2.5M | 1.3% | 17 | -3 |
| 22 | Small Business Bank | 7(a) | 14 | $2.2M | 1.3% | 8 | +6 |
| 23 | First National Bank of Omaha | 7(a) | 13 | $4.1M | 1.2% | 8 | +5 |
| 24 | Southern Bank | 7(a) | 12 | $4.5M | 1.1% | 21 | -9 |
| 25 | Heartland Business Capital, Inc. | 504 | 11 | $7.3M | 1.0% | 16 | -5 |
| 26 | Equity Bank | 7(a) | 11 | $6.3M | 1.0% | 8 | +3 |
| 27 | Peoples National Bank National Association | 7(a) | 11 | $3.8M | 1.0% | 7 | +4 |
| 28 | Wells Fargo Bank National Association | 7(a) | 10 | $6.1M | 0.9% | 7 | +3 |
| 29 | Heritage Bank of the Ozarks | 7(a) | 10 | $6.0M | 0.9% | 8 | +2 |
| 30 | Small Business Growth Corporation | 504 | 10 | $5.8M | 0.9% | 8 | +2 |
| 31 | St. Charles County Economic Development Council | 504 | 9 | $9.7M | 0.8% | 42 | -33 |
| 32 | Simmons Bank | 7(a) | 8 | $5.7M | 0.7% | 5 | +3 |
| 33 | Sullivan Bank | 7(a) | 7 | $1.2M | 0.7% | 8 | -1 |
| 34 | Community Banks of Colorado, A Division of NBH Bank | 7(a) | 6 | $4.2M | 0.6% | 9 | -3 |
| 35 | OMB Bank | 7(a) | 6 | $4.1M | 0.6% | 2 | +4 |
| 36 | Bank of Washington | 7(a) | 6 | $3.1M | 0.6% | 0 | new |
| 37 | UMB Bank, National Association | 7(a) | 6 | $2.5M | 0.6% | 17 | -11 |
| 38 | Kendall Bank | 7(a) | 6 | $2.0M | 0.6% | 6 | 0 |
| 39 | Branson Bank | 7(a) | 6 | $1.9M | 0.6% | 11 | -5 |
| 40 | United Bank of Union | 7(a) | 6 | $1.5M | 0.6% | 1 | +5 |
Approvals by county
| # | County | Approvals | Dollars | Share of state | FY2021 | Change |
|---|---|---|---|---|---|---|
| 1 | St. Louis County | 144 | $79.2M | 13.5% | 196 | -52 |
| 2 | Jackson County | 134 | $67.4M | 12.5% | 152 | -18 |
| 3 | Greene County | 103 | $43.3M | 9.6% | 123 | -20 |
| 4 | St. Charles County | 76 | $48.3M | 7.1% | 83 | -7 |
| 5 | St. Louis city | 55 | $27.2M | 5.1% | 56 | -1 |
| 6 | Boone County | 53 | $13.9M | 5.0% | 56 | -3 |
| 7 | Clay County | 43 | $14.7M | 4.0% | 56 | -13 |
| 8 | Jasper County | 32 | $10.6M | 3.0% | 43 | -11 |
| 9 | Christian County | 30 | $14.6M | 2.8% | 29 | +1 |
| 10 | Franklin County | 24 | $8.1M | 2.2% | 21 | +3 |
| 11 | Jefferson County | 23 | $10.9M | 2.2% | 27 | -4 |
| 12 | Taney County | 23 | $18.0M | 2.2% | 28 | -5 |
| 13 | Platte County | 20 | $8.3M | 1.9% | 18 | +2 |
| 14 | Camden County | 16 | $21.1M | 1.5% | 14 | +2 |
| 15 | Cass County | 16 | $7.3M | 1.5% | 14 | +2 |
| 16 | Callaway County | 16 | $5.7M | 1.5% | 17 | -1 |
| 17 | Newton County | 12 | $7.8M | 1.1% | 12 | 0 |
| 18 | Cape Girardeau County | 12 | $4.5M | 1.1% | 6 | +6 |
| 19 | Buchanan County | 11 | $10.4M | 1.0% | 10 | +1 |
| 20 | Cole County | 10 | $11.8M | 0.9% | 13 | -3 |
| 21 | Webster County | 10 | $3.0M | 0.9% | 6 | +4 |
| 22 | Barry County | 8 | $2.7M | 0.7% | 6 | +2 |
| 23 | Phelps County | 8 | $3.6M | 0.7% | 7 | +1 |
| 24 | Texas County | 8 | $4.0M | 0.7% | 4 | +4 |
| 25 | Henry County | 8 | $2.7M | 0.7% | 8 | 0 |
| 26 | Lafayette County | 8 | $1.2M | 0.7% | 10 | -2 |
| 27 | Lawrence County | 7 | $1.4M | 0.7% | 11 | -4 |
| 28 | Randolph County | 7 | $471K | 0.7% | 6 | +1 |
| 29 | Miller County | 7 | $5.2M | 0.7% | 12 | -5 |
| 30 | Johnson County | 6 | $1.7M | 0.6% | 13 | -7 |
| 31 | Hickory County | 6 | $1.9M | 0.6% | 0 | new |
| 32 | Pulaski County | 6 | $1.5M | 0.6% | 6 | 0 |
| 33 | Stone County | 6 | $5.6M | 0.6% | 8 | -2 |
| 34 | Polk County | 6 | $1.2M | 0.6% | 9 | -3 |
| 35 | Dallas County | 6 | $3.9M | 0.6% | 2 | +4 |
| 36 | Warren County | 6 | $4.8M | 0.6% | 4 | +2 |
| 37 | Butler County | 6 | $4.7M | 0.6% | 2 | +4 |
| 38 | St. Francois County | 5 | $2.5M | 0.5% | 7 | -2 |
| 39 | Lincoln County | 5 | $3.9M | 0.5% | 3 | +2 |
| 40 | Wright County | 4 | $1.9M | 0.4% | 4 | 0 |
The 40 counties with the most approvals; every county is on the Missouri page.
FY2022 against FY2021
| Missouri | FY2022 | FY2021 |
|---|---|---|
| 7(a) approvals | 916 | 1,063 |
| 7(a) dollars | $419M | $625M |
| Median 7(a) approval | $200K | $305K |
| 504 approvals | 153 | 159 |
| 504 dollars | $115M | $119M |
| Jobs supported, as reported | 11,862 | 14,479 |
Questions and answers
Which lenders made the most SBA loans in Missouri in FY2022?
Rural Missouri, Inc. (86), U.S. Bank, National Association (74), OakStar Bank (66), The Central Trust Bank (51), The Bank of Missouri (46). 159 lenders had at least one approval.
How many SBA loans were approved in Missouri in FY2022?
1,069: 916 under 7(a) worth $419M and 153 under 504 worth $115M.
Which Missouri counties had the most SBA approvals in FY2022?
St. Louis County (144), Jackson County (134), Greene County (103), St. Charles County (76), St. Louis city (55).
When does FY2022 start and end?
The federal fiscal year 2022 runs from 1 October 2021 to 30 September 2022.
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