FY20251 Oct 2024 – 30 Sep 2025
SBA loans in Missouri, FY2025
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 FY2025 (1 October 2024 to 30 September 2025) SBA approved 1,285 loans in Missouri: 1,201 under 7(a) and 84 under 504, worth $815M.
That is up 14% on FY2024, when there were 1,124 approvals worth $555M.
Missouri accounted for 1.5% of the 84,840 approvals nationwide that year. 166 lenders had at least one approval in the state; U.S. Bank, National Association had the most, 142.
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 FY2025, of 166 active.
| # | Lender | Program | Approvals | Dollars | Share of state | FY2024 | Change |
|---|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 7(a) | 142 | $28.6M | 11.1% | 126 | +16 |
| 2 | OakStar Bank | 7(a) | 116 | $73.2M | 9.0% | 95 | +21 |
| 3 | Northeast Bank | 7(a) | 77 | $10.8M | 6.0% | 30 | +47 |
| 4 | Live Oak Banking Company | 7(a) | 55 | $102M | 4.3% | 17 | +38 |
| 5 | The Huntington National Bank | 7(a) | 53 | $28.4M | 4.1% | 47 | +6 |
| 6 | Newtek Bank, National Association | 7(a) | 52 | $23.4M | 4.0% | 32 | +20 |
| 7 | Readycap Lending, LLC | 7(a) | 38 | $7.3M | 3.0% | 35 | +3 |
| 8 | The Central Trust Bank | 7(a) | 38 | $5.9M | 3.0% | 38 | 0 |
| 9 | Rural Missouri, Inc. | 504 | 34 | $49.1M | 2.6% | 35 | -1 |
| 10 | St. Charles County Economic Development Council | 504 | 26 | $31.0M | 2.0% | 17 | +9 |
| 11 | Commerce Bank | 7(a) | 25 | $5.7M | 1.9% | 48 | -23 |
| 12 | OMB Bank | 7(a) | 24 | $12.7M | 1.9% | 27 | -3 |
| 13 | Midwest Regional Bank | 7(a) | 23 | $30.5M | 1.8% | 13 | +10 |
| 14 | Celtic Bank Corporation | 7(a) | 20 | $11.9M | 1.6% | 7 | +13 |
| 15 | UMB Bank, National Association | 7(a) | 20 | $8.7M | 1.6% | 16 | +4 |
| 16 | Four States Bank, Inc. | 7(a) | 20 | $8.6M | 1.6% | 0 | new |
| 17 | The Bank of Missouri | 7(a) | 19 | $8.5M | 1.5% | 12 | +7 |
| 18 | BayFirst National Bank | 7(a) | 18 | $3.5M | 1.4% | 47 | -29 |
| 19 | CommunityAmerica Federal Credit Union | 7(a) | 15 | $8.6M | 1.2% | 8 | +7 |
| 20 | Bank of America, National Association | 7(a) | 12 | $6.4M | 0.9% | 2 | +10 |
| 21 | Southern Bank | 7(a) | 12 | $2.8M | 0.9% | 16 | -4 |
| 22 | Regent Bank | 7(a) | 11 | $8.6M | 0.9% | 32 | -21 |
| 23 | Branson Bank | 7(a) | 11 | $4.7M | 0.9% | 11 | 0 |
| 24 | Sullivan Bank | 7(a) | 11 | $3.3M | 0.9% | 3 | +8 |
| 25 | First Bank of the Lake | 7(a) | 10 | $11.2M | 0.8% | 10 | 0 |
| 26 | The Bank of Houston | 7(a) | 10 | $8.4M | 0.8% | 18 | -8 |
| 27 | Byline Bank | 7(a) | 9 | $9.0M | 0.7% | 4 | +5 |
| 28 | United Midwest Savings Bank National Association | 7(a) | 9 | $5.0M | 0.7% | 8 | +1 |
| 29 | Arvest Bank | 7(a) | 9 | $3.2M | 0.7% | 17 | -8 |
| 30 | St. Louis Bank | 7(a) | 8 | $10.0M | 0.6% | 7 | +1 |
| 31 | Heartland Business Capital, Inc. | 504 | 8 | $5.1M | 0.6% | 7 | +1 |
| 32 | First National Bank of Omaha | 7(a) | 8 | $2.7M | 0.6% | 6 | +2 |
| 33 | The Callaway Bank | 7(a) | 8 | $1.8M | 0.6% | 10 | -2 |
| 34 | GBank | 7(a) | 7 | $15.4M | 0.5% | 1 | +6 |
| 35 | First Financial Bank | 7(a) | 7 | $8.3M | 0.5% | 3 | +4 |
| 36 | United Bank of Union | 7(a) | 7 | $3.3M | 0.5% | 10 | -3 |
| 37 | United Community Bank | 7(a) | 7 | $3.0M | 0.5% | 0 | new |
| 38 | First Service Bank | 7(a) | 6 | $11.1M | 0.5% | 1 | +5 |
| 39 | American Bank of Freedom | 7(a) | 6 | $6.6M | 0.5% | 7 | -1 |
| 40 | Equity Bank | 7(a) | 6 | $2.9M | 0.5% | 11 | -5 |
Approvals by county
| # | County | Approvals | Dollars | Share of state | FY2024 | Change |
|---|---|---|---|---|---|---|
| 1 | St. Louis County | 235 | $164M | 18.3% | 202 | +33 |
| 2 | Jackson County | 181 | $95.8M | 14.1% | 154 | +27 |
| 3 | Greene County | 109 | $79.8M | 8.5% | 111 | -2 |
| 4 | St. Charles County | 91 | $57.4M | 7.1% | 75 | +16 |
| 5 | Clay County | 55 | $25.5M | 4.3% | 41 | +14 |
| 6 | Boone County | 52 | $21.5M | 4.0% | 46 | +6 |
| 7 | St. Louis city | 50 | $26.0M | 3.9% | 50 | 0 |
| 8 | Christian County | 39 | $15.4M | 3.0% | 31 | +8 |
| 9 | Jasper County | 37 | $12.7M | 2.9% | 39 | -2 |
| 10 | Franklin County | 30 | $25.7M | 2.3% | 20 | +10 |
| 11 | Taney County | 25 | $18.2M | 1.9% | 17 | +8 |
| 12 | Polk County | 25 | $23.3M | 1.9% | 14 | +11 |
| 13 | Platte County | 23 | $16.1M | 1.8% | 19 | +4 |
| 14 | Cass County | 21 | $11.4M | 1.6% | 21 | 0 |
| 15 | Jefferson County | 18 | $4.5M | 1.4% | 32 | -14 |
| 16 | Buchanan County | 16 | $15.1M | 1.2% | 12 | +4 |
| 17 | Camden County | 13 | $13.7M | 1.0% | 10 | +3 |
| 18 | Phelps County | 12 | $8.6M | 0.9% | 3 | +9 |
| 19 | Cape Girardeau County | 12 | $7.7M | 0.9% | 8 | +4 |
| 20 | Pettis County | 12 | $22.6M | 0.9% | 8 | +4 |
| 21 | Newton County | 11 | $8.6M | 0.9% | 10 | +1 |
| 22 | St. Francois County | 11 | $2.6M | 0.9% | 9 | +2 |
| 23 | Lawrence County | 11 | $2.9M | 0.9% | 13 | -2 |
| 24 | Warren County | 11 | $3.9M | 0.9% | 7 | +4 |
| 25 | Miller County | 10 | $5.8M | 0.8% | 3 | +7 |
| 26 | Webster County | 9 | $2.0M | 0.7% | 4 | +5 |
| 27 | Lincoln County | 9 | $1.7M | 0.7% | 3 | +6 |
| 28 | Dallas County | 7 | $853K | 0.5% | 5 | +2 |
| 29 | Morgan County | 7 | $11.6M | 0.5% | 2 | +5 |
| 30 | Randolph County | 6 | $832K | 0.5% | 4 | +2 |
| 31 | Henry County | 6 | $7.3M | 0.5% | 4 | +2 |
| 32 | Johnson County | 5 | $2.2M | 0.4% | 10 | -5 |
| 33 | Vernon County | 5 | $3.5M | 0.4% | 2 | +3 |
| 34 | Pulaski County | 5 | $5.2M | 0.4% | 5 | 0 |
| 35 | Stone County | 5 | $2.5M | 0.4% | 9 | -4 |
| 36 | Clinton County | 5 | $3.9M | 0.4% | 0 | new |
| 37 | Washington County | 5 | $467K | 0.4% | 2 | +3 |
| 38 | Barry County | 4 | $2.2M | 0.3% | 6 | -2 |
| 39 | Howell County | 4 | $248K | 0.3% | 1 | +3 |
| 40 | Laclede County | 4 | $1.8M | 0.3% | 7 | -3 |
The 40 counties with the most approvals; every county is on the Missouri page.
FY2025 against FY2024
| Missouri | FY2025 | FY2024 |
|---|---|---|
| 7(a) approvals | 1,201 | 1,047 |
| 7(a) dollars | $714M | $498M |
| Median 7(a) approval | $240K | $188K |
| 504 approvals | 84 | 77 |
| 504 dollars | $100M | $56.5M |
| Jobs supported, as reported | 12,124 | 12,116 |
Questions and answers
Which lenders made the most SBA loans in Missouri in FY2025?
U.S. Bank, National Association (142), OakStar Bank (116), Northeast Bank (77), Live Oak Banking Company (55), The Huntington National Bank (53). 166 lenders had at least one approval.
How many SBA loans were approved in Missouri in FY2025?
1,285: 1,201 under 7(a) worth $714M and 84 under 504 worth $100M.
Which Missouri counties had the most SBA approvals in FY2025?
St. Louis County (235), Jackson County (181), Greene County (109), St. Charles County (91), Clay County (55).
When does FY2025 start and end?
The federal fiscal year 2025 runs from 1 October 2024 to 30 September 2025.
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