SBA Ledger

States › Nebraska

State0.5% of US approvals149 lenders active

SBA loans in Nebraska

7(a) and 504 approvals by fiscal year, the lenders behind them, and where in the state they went. Pick a fiscal year for that year's lenders and counties.

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.

SBA approved 1,882 small business loans in Nebraska in FY2021 to FY2025: 1,636 under the 7(a) program and 246 under 504, worth $973M together.

That is 33.3 approvals for every 1,000 business establishments in the state, against 41.0 nationally, and 0.5% of all approvals in the country (38th of 54 states and territories).

In FY2025 there were 360 approvals totalling $194M, down 8% on FY2024. The median 7(a) approval over the five years was $188K and the median 504 approval $641K.

149 lenders had at least one approval in the state; by number of 7(a) approvals the most active were Union Bank and Trust Company (235), First State Bank Nebraska (152) and U.S. Bank, National Association (110).

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 5.6% as charged off, against 6.6% nationally.

360approvals, FY20251,882 in FY2021–FY2025
$194Mapproved, FY2025$973M in FY2021–FY2025
33.3approvals per 1,000 establishments, FY2021–FY2025US: 41.0
$188Kmedian 7(a) approvalUS: $190K
5.6%7(a) loans approved FY2010–FY2021 charged offUS: 6.6%

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.

Most active 7(a) lenders in Nebraska

Ranked by number of approvals to businesses in the state, FY2021–FY2025. The column of bars shows each lender's approvals here in every fiscal year; the charged-off column is the lender's nationwide figure.

#LenderApprovals in NE, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1Union Bank and Trust CompanyLincoln, NE235$90.2M14.4%$250K2.5%
2First State Bank NebraskaLincoln, NE152$74.0M9.3%$183K2.5%
3U.S. Bank, National AssociationCincinnati, OH110$9.3M6.7%$45K6.2%
4First National Bank of OmahaOmaha, NE71$22.0M4.3%$201K4.3%
5The Huntington National BankColumbus, OH54$20.3M3.3%$92K5.7%
6Associated Bank National AssociationGreen Bay, WI53$22.2M3.2%$282K4.6%
7Wells Fargo Bank National AssociationSioux Falls, SD53$21.2M3.2%$15K7.9%
8Emprise BankWichita, KS47$28.9M2.9%$250K6.3%
9Arbor BankNebraska City, NE42$15.6M2.6%$179K2.6%
10Hershey BankHershey, NE40$18.4M2.4%$147K—
11Readycap Lending, LLCBerkeley Heights, NJ40$14.3M2.4%$138K4.3%
12BayFirst National BankSaint Petersburg, FL39$7.0M2.4%$150K19.2%
13Midwest BankPierce, NE33$12.1M2.0%$194K3.2%
14Cornhusker BankLincoln, NE32$9.4M2.0%$323K8.1%
15Northwest BankSpencer, IA27$7.4M1.7%$154K4.7%
16Northeast BankLewiston, ME27$4.5M1.7%$106K12.8%
17Live Oak Banking CompanyWilmington, NC23$34.6M1.4%$850K2.2%
18Celtic Bank CorporationSalt Lake City, UT23$12.1M1.4%$150K17.0%
19Custer Federal State BankBroken Bow, NE22$5.7M1.3%$180K—
20Western Nebraska BankCurtis, NE21$2.1M1.3%$55K0.0%
21Equity BankAndover, KS18$5.2M1.1%$272K1.7%
22Newtek Bank, National AssociationMiami, FL17$9.9M1.0%$225K—
23i3 BankBennington, NE16$14.6M1.0%$398K5.9%
24Platte Valley BankScottsbluff, NE16$5.7M1.0%$202K10.4%
25Dundee BankOmaha, NE15$6.2M0.9%$350K0.0%
26United Midwest Savings Bank National AssociationDe Graff, OH15$2.7M0.9%$150K15.9%
27Security National Bank of OmahaOmaha, NE13$11.2M0.8%$915K6.9%
28Westside State BankWestside, IA13$3.5M0.8%$226K—
29First Interstate BankBillings, MT12$5.5M0.7%$222K5.7%
30Dayspring BankGothenburg, NE12$3.8M0.7%$264K11.6%
31State Bank of Table RockTable Rock, NE12$2.4M0.7%$131K2.7%
32Pinnacle BankLincoln, NE10$6.0M0.6%$442K1.8%
33BankFirstNorfolk, NE10$3.9M0.6%$453K0.0%
34Adams Bank & TrustOgallala, NE10$1.9M0.6%$250K3.2%
35Newtek Small Business Finance, Inc.Lake Success, NY9$1.6M0.6%$300K6.8%
36Access BankOmaha, NE8$10.9M0.5%$899K7.7%
37First Westroads Bank, IncOmaha, NE8$5.0M0.5%$298K—
38Security BankLaurel, NE8$4.3M0.5%$300K—
39Centris Federal Credit UnionOmaha, NE8$3.9M0.5%$200K20.9%
40Byline BankChicago, IL7$9.4M0.4%$806K9.5%

504 certified development companies

#LenderApprovals in NE, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1Nebraska Economic Development CorporationLincoln, NE · 504 CDC239$221M97.2%$626K0.9%
2Community Development ResourcesLincoln, NE · 504 CDC2—0.8%——
3South Dakota Development CorporationSioux Falls, SD · 504 CDC1—0.4%$664K6.1%
4North Texas Certified Development CorporationPlano, TX · 504 CDC1—0.4%$851K1.5%
5Frontier Financial Partners, Inc.Emporia, KS · 504 CDC1—0.4%$666K4.9%
6Dakota Business FinanceSioux Falls, SD · 504 CDC1—0.4%$466K1.1%
7Siouxland Economic Development CorporationSioux City, IA · 504 CDC1—0.4%$618K0.5%

Fiscal-year ledger

Fiscal year7(a) approvals7(a) dollarsMedian 7(a)504 approvals504 dollarsAll approvalsJobs supported, as reported
FY2026*208$100M$193K21$21.3M2292,404
FY2025330$160M$178K30$34.2M3604,028
FY2024368$161M$180K23$35.2M3914,213
FY2023295$105M$167K31$35.3M3263,265
FY2022299$124M$150K85$74.4M3844,069
FY2021344$193M$252K77$50.6M4216,138
FY2020274$115M$147K55$36.5M3293,385
FY2019278$101M$150K51$42.5M3293,287
FY2018303$97.0M$125K29$22.7M3324,165
FY2017386$121M$139K39$25.1M4254,560
FY2016394$123M$103K37$25.5M4315,410

7(a) approvals504 approvals

919293949596979899000102030405060708091011121314151617181920212223242526
SBA approvals in Nebraska by fiscal year, FY1991 to FY2026.

Counties

Approvals in FY2021–FY2025 set against the Census Bureau's count of business establishments. Counties with at least 30 approvals have their own page.

#CountyApprovalsDollarsEstablishmentsPer 1,000 establishmentsBy fiscal year
1Douglas County629$331M16,71037.6
2Lancaster County421$189M8,99946.8
3Sarpy County194$124M4,10647.2
4Lincoln County60$24.4M1,01858.9
5Buffalo County52$23.6M1,77729.3
6Gage County38$17.2M63759.7
7Hall County37$17.2M1,85719.9
8Dodge County36$28.5M99236.3
9Platte County27$18.9M1,03326.1
10Cass County25$11.6M61540.7
11Scotts Bluff County23$15.2M1,01722.6
12Saunders County21$14.4M60434.8
13York County20$19.4M53837.2
14Washington County19$4.9M66628.5
15Madison County18$15.7M1,23214.6
16Keith County15$5.3M34044.1
17Otoe County14$5.5M47029.8
18Red Willow County12$3.6M40030.0
19Pierce County11$4.9M23846.2
20Seward County10$9.5M48520.6
21Dawson County10$5.8M67214.9
22Holt County9$2.3M42921.0
23Saline County8$1.8M32124.9
24Chase County8$2.0M15751.0
25Wayne County8$2.1M25231.7
26Butler County7$2.2M22131.7
27Stanton County7$5.7M10467.3
28Adams County6$933K9896.1
29Custer County6$2.1M37016.2
30Hitchcock County6$3.2M7283.3
31Cheyenne County6$3.4M28121.4
32Dakota County5$2.6M42711.7
33Cedar County5$1.5M28817.4
34Pawnee County5$1.2M6972.5
35Morrill County5$790K12241.0
36Cuming County5$3.4M33215.1
37Frontier County5$1.4M7071.4
38Cherry County5$1.5M21423.4
39Colfax County5$5.9M25419.7
40Perkins County4$419K12631.7
41Boone County4$1.2M19920.1
42Merrick County4$2.9M24916.1
43Fillmore County4$758K20619.4
44Sheridan County4$435K15326.1
45Thurston County4$960K12532.0
46Knox County4$443K24916.1
47Kearney County4$238K18022.2
48Furnas County4$682K14827.0
49Box Butte County3$344K29110.3
50Hamilton County3$3.1M3279.2
51Deuel County3$742K5455.6
52Jefferson County3$801K21713.8
53Antelope County3$1.7M21813.8
54Polk County3$2.0M13422.4
55Howard County2—17611.4
56Richardson County2—2508.0
57Valley County2—18111.0
58Phelps County2—3535.7
59Dundy County2—5735.1
60Johnson County2—10219.6
61Nuckolls County2—15612.8
62Dawes County1—2494.0
63Garden County1—4621.7
64Franklin County1—8212.2
65Boyd County1—6315.9
66Thomas County1—2343.5
67Nemaha County1—1785.6
68Thayer County1—2134.7
69Clay County1—1835.5
70Banner County1—6166.7
71Dixon County1—1079.3
72Nance County1—8511.8

Industries

#Industry group (NAICS 4-digit)ApprovalsDollarsShare
1Restaurants and Other Eating PlacesNAICS 7225152$76.1M8.1%
2Offices of Other Health PractitionersNAICS 621380$28.3M4.3%
3Automotive Repair and MaintenanceNAICS 811173$35.8M3.9%
4Services to Buildings and DwellingsNAICS 561769$34.1M3.7%
5Personal Care ServicesNAICS 812168$15.9M3.6%
6Other Amusement and Recreation IndustriesNAICS 713965$21.0M3.5%
7Other Specialty Trade ContractorsNAICS 238961$27.7M3.2%
8Foundation, Structure, and Building Exterior ContractorsNAICS 238156$32.0M3.0%
9Residential Building ConstructionNAICS 236145$5.4M2.4%
10General Freight TruckingNAICS 484143$14.2M2.3%
11Child Day Care ServicesNAICS 624441$24.2M2.2%
12Building Equipment ContractorsNAICS 238241$22.8M2.2%
13Other Personal ServicesNAICS 812934$13.0M1.8%
14Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 524233$13.1M1.8%
15Other Professional, Scientific, and Technical ServicesNAICS 541932$10.3M1.7%

Sectors

#NAICS sectorApprovalsShare
1Construction25713.7%
2Other Services (except Public Administration)21511.4%
3Health Care and Social Assistance21411.4%
4Accommodation and Food Services21311.3%
5Retail Trade20811.1%
6Manufacturing1286.8%
7Professional, Scientific, and Technical Services1226.5%
8Administrative and Support and Waste Management and Remediation Services1115.9%
9Arts, Entertainment, and Recreation754.0%
10Agriculture, Forestry, Fishing and Hunting693.7%

Franchise brands

#BrandApprovalsShare
1Scooter's Coffee160.9%
2Hotworx90.5%
3Scissors & Scotch50.3%
4Legato Living50.3%
5Holiday Inn Express40.2%
6Fairfield by Marriott40.2%
7Swimtastic Swim School40.2%
8DQ Grill & Chill Operating Agreement40.2%
9Units30.2%
10Culver's ButterBurgers & Frozen Custard30.2%

How earlier loans turned out

Nebraska, 7(a)5.6%
United States, 7(a)6.6%
Nebraska, 5041.1%
United States, 5041.2%
Share of disbursed loans approved FY2010–FY2021 that SBA records as charged off, by program.
Loans approved FY2010–FY2021NE 7(a)US 7(a)NE 504US 504
Approvals in these years4,396639,90558785,591
Cancelled or never disbursed46979,31311312,514
Disbursed loans3,927560,59247473,077
Paid in full3,172435,81319935,491
Charged off21836,8915905
Still outstanding (status exempt from disclosure)53787,88827036,681
Charged off, share of disbursed loans5.6%6.6%1.1%1.2%
Dollars charged off, share of disbursed dollars2.9%2.5%0.3%0.9%
Dollars charged off$37.6M$5.70bn$772K$499M

Approval sizes

Age of the businesses

Against the country

FY2021–FY2025NebraskaUnited States
Approvals per 1,000 establishments33.341.0
Median 7(a) approval$188K$190K
Median 504 approval$641K$657K
504 share of approvals13.1%11.0%
Jobs supported per approval, as reported11.510.5
Approvals, change on FY2016–FY20202%10%

Questions and answers

Which lenders make the most SBA loans in Nebraska?

By 7(a) approvals in FY2021 to FY2025: Union Bank and Trust Company (235), First State Bank Nebraska (152), U.S. Bank, National Association (110), First National Bank of Omaha (71), The Huntington National Bank (54). For 504 loans: Nebraska Economic Development Corporation (239), Community Development Resources (2), South Dakota Development Corporation (1). Volume says how active a lender is, nothing about terms or service.

How large are typical SBA loans in Nebraska?

The median 7(a) approval was $188K and the median 504 approval $641K; the average across both programs was $517K.

Which industries get the most SBA loans in Nebraska?

Restaurants and Other Eating Places (152); Offices of Other Health Practitioners (80); Automotive Repair and Maintenance (73); Services to Buildings and Dwellings (69); Personal Care Services (68).

Which Nebraska counties receive the most SBA loans?

Douglas County (629), Lancaster County (421), Sarpy County (194), Lincoln County (60), Buffalo County (52), by approvals in FY2021 to FY2025.

Is SBA lending in Nebraska rising?

Approvals in the three latest complete fiscal years total 1,077, against 1,134 in the three before: broadly level (-5%).

What share of SBA loans in Nebraska are charged off?

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 5.6% are recorded as charged off (national: 6.6%); for 504 loans the figure is 1.1% (national: 1.2%). Newer loans are left out because most have not had time to reach either outcome.

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. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error