The regional note · prepared 8 September 2026

Plains

1,083 banks and 410 credit unions read from their latest filings, every state in the Plains states ranked against the others and the largest institutions against each other.

Small-business lending ↓

The states Minnesota · Iowa · Missouri · North Dakota · South Dakota · Nebraska · Kansas

Banks

1,083 banks filing across 7 states · read from the 30 June 2026 Call Report

1,083

banks filing

$4.76T in assets

+9.6%

Loans, year over year

on the banks filing at both dates

12.2%

CRE / loans

in aggregate

61%

Loans / deposits

in aggregate

0.85%

Noncurrent / loans

-13 bps on a year earlier

9.1%

Equity / assets

in aggregate

The Plains states's 1,083 banks hold $4.76T in assets at 30 June 2026, across 7 states. Citibank National Association is the largest at $1.98T, and the five largest hold 85% of the total; 148 institutions are above $1B, holding $4.45T. South Dakota holds the most, $3.94T.

Loans grew +9.6% in the year on the banks filing at both dates, fastest in South Dakota at +10.1% and slowest in Iowa at +5.4%. Noncurrent loans are 0.85% of the book, down 13 basis points on a year earlier; the rate rose in 4 states and fell in 3, rising most in Kansas (+13 bps) and highest outright in North Dakota at 0.90%.

By category, construction & land loans went late the most, the noncurrent rate +83 bps to 1.62%, then commercial & industrial (+16 bps to 0.77%); nonfarm nonresidential improved the most, -40 bps. Commercial real estate is 12.2% of loans in aggregate, heaviest in Minnesota at 27.9%; the banks lend 61% of their deposits, and equity is 9.1% of assets.

The largest banks, by size

the twenty largest in each band headquartered in the Plains states; each has its own read in the catalogue

Under $1B: the 20 largest of 929banks headquartered in the Plains states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Bank of Old Monroe	MO	$995M	+21.1%	42.9%	73%	0.00%	1.54%	7.1%
2	First Federal Bank of Kansas County	MO	$993M	+1.0%	10.8%	111%	0.45%	0.41%	10.7%
3	Midwest Bank	MN	$985M	+19.7%	29.9%	113%	0.05%	2.46%	9.5%
4	Dundee Bank	NE	$976M	+23.0%	52.7%	101%	0.02%	2.10%	9.1%
5	Dream First Bank N.A.	KS	$964M	+14.7%	3.4%	78%	1.86%	1.05%	9.8%
6	Midwest Regional Bank	MO	$949M	-16.8%	47.6%	91%	6.61%	-1.39%	10.5%
7	American Bank of Freedom	MO	$948M	-9.2%	57.7%	95%	1.54%	0.62%	10.3%
8	Mid-missouri Bank	MO	$947M	+3.2%	35.7%	81%	0.07%	1.63%	10.6%
9	United Prairie Bank	MN	$939M	+2.3%	18.9%	101%	0.66%	1.44%	10.2%
10	Vermillion State Bank	MN	$931M	+3.6%	5.6%	53%	0.24%	2.57%	13.1%
11	Lindell Bank & Trust Co.	MO	$915M	+5.0%	32.5%	77%	0.58%	2.69%	18.0%
12	Versabank USA National Association	MN	$912M	+387.3%	0.0%	85%	0.10%	1.20%	20.6%
13	Heartland Bank	NE	$911M	+2.7%	13.2%	86%	0.13%	2.01%	11.3%
14	Stifel Trust Co. N.A.	MO	$911M			0%		3.25%	5.8%
15	Peoples Bank & Trust Co.	MO	$908M	+5.7%	32.1%	62%	2.27%	1.54%	8.7%
16	Visionbank of Iowa	IA	$896M	-0.2%	46.7%	100%	0.71%	1.49%	10.5%
17	21st Century Bank	MN	$895M	+9.5%	41.5%	102%	0.19%	1.30%	9.2%
18	United Bank & Trust	KS	$893M	+3.2%	12.8%	94%	0.00%	1.52%	11.9%
19	Pioneer Bank	MN	$884M	+3.7%	27.9%	85%	0.58%	1.58%	10.2%
20	Falcon National Bank	MN	$872M	-2.9%	29.4%	97%	1.04%	1.21%	10.6%

$1B to $3B: the 20 largest of 109banks headquartered in the Plains states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Northwest Bank	IA	$3.00B	+5.0%	27.5%	95%	0.23%	1.34%	9.8%
2	Minnwest Bank	MN	$2.94B	+6.4%	37.3%	92%	0.56%	1.16%	11.5%
3	Cedar Rapids Bank & Trust Co.	IA	$2.90B	+8.6%	56.6%	97%	0.54%	2.71%	16.9%
4	Merchants Bank National Association	MN	$2.88B	-1.5%	34.0%	83%	0.53%	1.24%	11.9%
5	Emprise Bank	KS	$2.82B	+8.3%	44.9%	81%	0.37%	1.55%	7.5%
6	Sunrise Banks National Association	SD	$2.78B	+1.1%	43.4%	72%	1.34%	0.34%	9.2%
7	Quad City Bank & Trust Co.	IA	$2.77B	-6.7%	45.9%	79%	0.51%	1.45%	11.4%
8	Lead Bank	MO	$2.76B	+26.7%	25.4%	46%	3.26%	1.55%	8.8%
9	Cornerstone Bank	NE	$2.73B	-2.3%	26.2%	90%	1.55%	1.24%	9.1%
10	Tradition Capital Bank	MN	$2.72B	+6.1%	34.3%	107%	0.01%	0.91%	8.4%
11	Fidelity Bank & Trust	IA	$2.60B	+38.4%	13.5%	90%	1.26%	1.28%	10.3%
12	KS Statebank	KS	$2.60B	+0.7%	22.4%	95%	2.49%	1.96%	13.2%
13	Community National Bank & Trust	KS	$2.53B	+11.1%	19.3%	77%	0.80%	1.14%	8.9%
14	United Bank of Iowa	IA	$2.50B	+4.9%	2.5%	86%	0.26%	1.26%	9.2%
15	Western State Bank	ND	$2.49B	+2.6%	23.9%	107%	0.90%	2.02%	13.4%
16	First Western Bank & Trust	ND	$2.39B	+6.9%	28.3%	98%	1.42%	0.95%	10.8%
17	Guaranty Bank	MO	$2.38B	+0.0%	65.8%	98%	0.88%	0.94%	16.5%
18	Omb Bank	MO	$2.36B	+18.3%	33.7%	100%	0.83%	1.28%	8.8%
19	Bank Iowa	IA	$2.35B	+7.1%	36.8%	91%	1.38%	1.27%	8.6%
20	Luana Savings Bank	IA	$2.34B	+8.5%	39.9%	95%	0.11%	0.95%	9.1%

$3B to $10B: the 20 largest of 34banks headquartered in the Plains states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Principal Bank	IA	$9.84B	+13.5%	0.0%	32%	0.44%	1.60%	5.0%
2	Capitol Federal Savings Bank	KS	$9.68B	+1.8%	23.1%	118%	0.62%	0.90%	10.1%
3	Union Bank & Trust Co.	NE	$9.24B	+5.0%	36.4%	93%	0.32%	1.64%	10.8%
4	Bcorp Bank National Association	SD	$9.21B	+7.0%	33.6%	96%	1.33%	2.86%	9.6%
5	Pinnacle Bank	NE	$9.18B	+7.7%	41.8%	84%	0.07%	1.44%	9.7%
6	Bankers Trust Co.	IA	$7.83B	+1.5%	53.1%	90%	0.31%	1.03%	9.5%
7	Equity Bank	KS	$7.71B	+50.2%	36.5%	85%	1.18%	1.35%	11.6%
8	Pathward National Association	SD	$7.31B	+8.6%	0.8%	87%	5.28%	2.73%	12.1%
9	Intrust Bank National Association	KS	$6.76B	+3.6%	35.5%	73%	0.60%	1.35%	7.4%
10	First Bank	MO	$6.65B	+7.8%	30.2%	73%	0.27%	0.65%	8.4%
11	Choice Financial Group	ND	$6.38B	+0.4%	36.2%	63%	0.68%	1.28%	11.3%
12	First International Bank & Trust	ND	$6.18B	+9.4%	33.2%	91%	1.54%	1.22%	8.4%
13	Great Southern Bank	MO	$5.53B	-4.9%	69.4%	100%	0.02%	1.26%	11.0%
14	Bridgewater Bank	MN	$5.38B	+6.8%	67.5%	101%	0.49%	1.31%	11.7%
15	Alerus Financial N.A.	ND	$5.28B	-1.3%	33.6%	96%	0.26%	1.79%	11.0%
16	Southern Bank	MO	$5.19B	+7.1%	38.8%	99%	0.63%	1.51%	10.5%
17	Dacotah Bank	SD	$4.92B	+8.2%	26.9%	94%	1.52%	1.08%	9.8%
18	Hills Bank & Trust Co.	IA	$4.79B	+3.9%	32.1%	104%	0.40%	2.07%	13.0%
19	First Bank & Trust	SD	$4.78B	+2.5%	29.6%	86%	0.42%	1.29%	11.3%
20	First State Community Bank	MO	$4.51B	+7.3%	36.5%	91%	1.07%	1.81%	12.5%

$10B to $20B: the 4 largest of 4banks headquartered in the Plains states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Stifel Bank & Trust	MO	$19.62B	+6.6%	9.0%	87%	1.09%	1.94%	6.8%
2	Enterprise Bank & Trust	MO	$17.36B	+4.2%	31.7%	81%	0.98%	1.10%	11.8%
3	Bell Bank	ND	$15.18B	+8.8%	32.7%	107%	0.90%	0.94%	9.7%
4	Stifel Bank	MO	$14.62B	+32.2%	0.0%	73%	0.06%	1.31%	6.2%

Over $20B: the 7 largest of 7banks headquartered in the Plains states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Citibank National Association	SD	$1976.18B	+8.5%	3.3%	49%	0.66%	1.02%	8.7%
2	Wells Fargo Bank N.A.	SD	$1907.93B	+11.5%	10.4%	64%	1.04%	1.36%	8.9%
3	UMB Bank National Association	MO	$71.90B	+11.8%	26.0%	68%	0.34%	1.42%	10.9%
4	Commerce Bank	MO	$35.02B	+17.9%	18.9%	74%	0.17%	1.22%	11.0%
5	First National Bank of Omaha	NE	$34.20B	+6.9%	18.4%	88%	0.78%	1.78%	11.7%
6	Ameriprise Bank FSB	MN	$25.48B	+71.8%	0.0%	11%	0.18%	3.04%	5.8%
7	Central Trust Bank	MO	$20.31B	+3.3%	35.6%	71%	0.49%	2.00%	9.0%

Noncurrent loans, share of loans, by stateevery bank in the state summed, 30 June 2026; 90 days or more past due and still accruing, plus nonaccrual, over loans; darker is higher

North Dakota carries the highest rate at 0.90%, then South Dakota at 0.89%; Iowa the lowest at 0.64%. The Plains states in aggregate sits at 0.85%.

Where noncurrent loans rose, and where they fellthe change in the rate on 30 June 2025, in basis points; amber rose, navy fell

The rate rose in 4 of 7 states and fell in 3. It rose most in Kansas (+13 bps) and Missouri (+9 bps), and fell most in South Dakota (-19 bps).

Where borrowers are going late, by loan categorythe noncurrent rate on each category a year ago and now, every bank in the Plains states summed; the widest rise first; from Schedule RC-N as FDIC serves it; a small category moves on a few loans

Construction & land loans deteriorated the most, +83 bps to 1.62% noncurrent (53% of the category's noncurrent balance is one institution, Wells Fargo Bank N.A., at 4.3% of its own construction & land book); commercial & industrial +16 bps to 0.77%. 8 of the 11 categories improved. The highest rate outright among the categories that matter to the book is nonfarm nonresidential at 1.83%.

The delinquency ladder by categoryeach category's balance and the share of it 30 to 89 days past due, 90 days or more and still accruing, and on nonaccrual; noncurrent is the last two together, with its change on a year earlier

Category	Balance	30 to 89	90+	Nonaccrual	Noncurrent	YoY
Construction & land	$61.7B	0.40%	0.15%	1.47%	1.62%	+83 bps
Multifamily	$70.4B	0.25%	0.13%	0.76%	0.89%	-34 bps
Nonfarm nonresidential	$233B	0.33%	0.19%	1.64%	1.83%	-40 bps
1-4 family residential	$485B	0.52%	0.35%	0.82%	1.17%	-33 bps
Home equity lines	$25.2B	0.53%	0.06%	3.39%	3.46%	-21 bps
Commercial & industrial	$468B	0.30%	0.08%	0.69%	0.77%	+16 bps
Consumer	$335B	1.25%	0.97%	0.10%	1.06%	-7 bps
Credit card	$245B	1.26%	1.28%	0.05%	1.32%	-8 bps
Auto	$63.1B	1.20%	0.09%	0.14%	0.23%	-6 bps
Agricultural production	$44.7B	0.04%	0.00%	0.03%	0.03%	-2 bps
Farmland	$48.2B	0.39%	0.16%	0.55%	0.71%	+5 bps
All loans and leases	$2.35T	0.44%	0.26%	0.59%	0.85%	-13 bps

The noncurrent rate by category since 2008each category's noncurrent share of its own balance, quarterly, every bank in the Plains states summed; bold, the category rising most this year

Construction & land peaked at 17.0% in 2010 and stands at 1.62% now, 10% of that peak. The scale of the last cycle is the point of the chart: every category's rate today sits against where it went then.

Loans, year over year, by state30 June 2026 against a year earlier on the banks filing at both dates; no better direction

South Dakota grew fastest at +10.1%, 62% of the added loans in one institution, Wells Fargo Bank N.A., whose book went from $895B to $998B in the year; 7 states grew faster than 5% and 0 shrank, Iowa the most at +5.4%.

Commercial real estate, share of loans, by stateconstruction, multifamily and non-owner-occupied nonresidential over loans, every bank in the state summed, 30 June 2026

Minnesota is the most CRE-weighted at 27.9% of loans, then North Dakota at 27.1%; 0 states sit above 30%, against 12.2% in aggregate.

Early delinquency: 30 to 89 days past due, by stateloans 30 to 89 days past due and still accruing, over loans, every bank in the state summed, 30 June 2026; the leading edge of the ladder

Nebraska has the most loans in the early bucket at 0.63%; the aggregate is 0.44%. Loans here are a quarter or two ahead of the noncurrent figure above, which is why the two maps are read together.

What the Plains states' banks lendthe loan book of every bank summed by category as filed, 30 June 2026

Other loans and leases (nondepository financials, foreign, leases) is the largest category at 24.7% of $2.35T in loans, then Commercial & industrial at 19.9% and 1-4 family residential, closed-end at 19.6%.

Who holds the Plains states' bank assetseach institution's share of the $4.76T the region's 1083 hold; the largest first, amber in the catalogue

Citibank National Association holds 41.5% of the total; the five largest hold 85%, and 148 of the 1,083 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

85% of the assets sit in 0.5% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: banks filing since 2008the count of banks filing each quarter from the Plains states; assets at the ends in the read

1,960 banks filed in 2008 Q1 holding $1000B; 1,083 file now holding $4.76T. 45% fewer charters hold 376% more in assets.

Noncurrent loans since 2008every bank in the Plains states summed, quarterly

The rate peaked at 6.18% in 2010 and stands at 0.85%, 14% of that peak.

Loans, year over year: banks over $1B30 June 2026 against a year earlier; the fastest fifteen; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 148 · amber, in the catalogue

Capra Bank (Iowa) grew fastest at +59.6%; the median among banks over $1B is +6.2%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Commercial real estate, share of loans: banks over $1B30 June 2026; construction, multifamily and non-owner-occupied nonresidential; the fifteen heaviest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 148 · amber, in the catalogue

Security Bank of Kansas City (Kansas) is the most CRE-weighted at 73.0% of loans; 13 of the 148 are above half the book.

Nonperforming loans, share of loans: banks over $1B30 June 2026; the fifteen highest, as each filed; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 148 · amber, in the catalogue

Pathward National Association (South Dakota) carries the highest rate at 5.28%; 13 of the 148 are above 2%, and the median is 0.55%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to deposits: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 148 · amber, in the catalogue

24 of the 148 lend more than they hold in deposits, United Bankers Bank (Minnesota) the furthest at 123%; the median is 89%.

Return on assets: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 148 · amber, in the catalogue

Bcorp Bank National Association (South Dakota) earns the most at 2.86%; 4 of the 148 earn under 0.50%, and the median is 1.33%.

Every state, 30 June 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Banks	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	YoY	30 to 89 days	ROA, median	Equity / assets
South Dakota	56	$3.94T	+10.1%	7.8%	57%	0.89%	-19 bps	0.43%	1.36%	8.8%
Missouri	194	$303B	+10.0%	26.3%	79%	0.68%	+9 bps	0.38%	1.39%	10.3%
Iowa	226	$128B	+5.4%	26.4%	83%	0.64%	-2 bps	0.41%	1.34%	10.6%
Minnesota	223	$116B	+7.1%	27.9%	67%	0.78%	+2 bps	0.58%	1.30%	9.5%
Nebraska	139	$111B	+6.3%	26.6%	87%	0.65%	+4 bps	0.63%	1.33%	11.0%
Kansas	185	$95.1B	+7.8%	26.9%	82%	0.78%	+13 bps	0.50%	1.41%	10.5%
North Dakota	60	$65.6B	+6.1%	27.1%	88%	0.90%	-1 bps	0.51%	1.34%	9.9%

Five years, 2021 to 2026the 1081 institutions filing at both dates; dollars as growth, ratios in points

	2021	2026	Change
Loans, in total	$1.87T	$2.35T	+26%
Deposits, in total	$3.35T	$3.85T	+15%
NPA / loans, median	0.31%	0.40%	+0.09 pts
Efficiency, median	59.8%	59.3%	-0.5 pts
ROA, median	1.35%	1.35%	+0.00 pts

Credit unions

410 credit unions filing across 7 states · read from the 31 March 2026 NCUA 5300

410

credit unions filing

$129B in assets

+9.0%

Loans, year over year

on the credit unions filing at both dates

17.4%

Member business loans / loans

in aggregate

84%

Loans / shares

in aggregate

0.89%

Delinquent / loans

+1 bps on a year earlier

10.7%

Net worth / assets

in aggregate

The Plains states's 410 credit unions hold $129B in assets at 31 March 2026, across 7 states. Greenstate is the largest at $11.2B, and the five largest hold 31% of the total; 27 institutions are above $1B, holding $82.2B. Iowa holds the most, $35.4B.

Loans grew +9.0% in the year on the credit unions filing at both dates, fastest in Kansas at +38.4% and slowest in South Dakota at +2.5%. Delinquent loans are 0.89% of the book, up 1 basis points on a year earlier; the rate rose in 2 states and fell in 5, rising most in Kansas (+29 bps) and highest outright in North Dakota at 1.14%.

Member business loans are 17.4% of the book in aggregate, heaviest in North Dakota at 57.6%. The credit unions lend 84% of their shares, and net worth is 10.7% of assets.

Delinquent loans, share of loans, by stateevery credit union in the state summed, 31 March 2026; loans 60 days or more past due, over loans; darker is higher

North Dakota carries the highest rate at 1.14%, then Iowa at 1.11%; Minnesota the lowest at 0.62%. The Plains states in aggregate sits at 0.89%.

Where delinquency rose, and where it fellthe change in the rate on 31 March 2025, in basis points; amber rose, navy fell

The rate rose in 2 of 7 states and fell in 5. It rose most in Kansas (+29 bps) and Missouri (+3 bps), and fell most in North Dakota (-23 bps).

Loans, year over year, by state31 March 2026 against a year earlier on the credit unions filing at both dates; no better direction

Kansas grew fastest at +38.4%, 90% of the added loans in one institution, Communityamerica, whose book went from $2.7B to $6.2B in the year; 3 states grew faster than 5% and 0 shrank, South Dakota the most at +2.5%.

Member business loans, share of loans, by stateevery credit union in the state summed, 31 March 2026

North Dakota carries the most commercial lending at 57.6% of loans; the aggregate is 17.4%.

Who holds the Plains states' credit union assetseach institution's share of the $129B the region's 410 hold; the largest first, amber in the catalogue

Greenstate holds 8.7% of the total; the five largest hold 31%, and 27 of the 410 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

31% of the assets sit in 1.2% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: credit unions filing since 2022the count of credit unions filing each quarter from the Plains states; assets at the ends in the read

471 credit unions filed in 2022 Q1 holding $113B; 410 file now holding $129B. 13% fewer charters hold 13% more in assets.

Delinquency since 2022every credit union in the Plains states summed, quarterly

The rate peaked at 0.98% in 2024 and stands at 0.89%, 91% of that peak.

Loans, year over year: credit unions over $1B31 March 2026 against a year earlier; the fastest fifteen · the 15 highest of 27 · amber, in the catalogue

Communityamerica (Kansas) grew fastest at +128.1%; the median among credit unions over $1B is +4.9%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Member business loans, share of loans: credit unions over $1B31 March 2026; the fifteen heaviest · the 15 highest of 27 · amber, in the catalogue

First Community (North Dakota) carries the most commercial lending at 74.7% of loans.

Delinquent loans, share of loans: credit unions over $1B31 March 2026; the fifteen highest, as each filed · the 15 highest of 27 · amber, in the catalogue

Community 1st (Iowa) carries the highest rate at 3.27%; 2 of the 27 are above 2%, and the median is 0.69%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to shares: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 27 · amber, in the catalogue

3 of the 27 lend more than they hold in shares, Greenstate (Iowa) the furthest at 104%; the median is 90%.

Return on assets: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 27 · amber, in the catalogue

Mayo Employees (Minnesota) earns the most at 1.82%; 7 of the 27 earn under 0.50%, and the median is 0.71%.

Every state, 31 March 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Filers	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquent	YoY	ROA, median	Net worth
Iowa	66	$35.4B	+4.3%	20.3%	95%	1.11%	-13 bps	0.92%	10.6%
Minnesota	81	$35.2B	+4.8%	19.2%	81%	0.62%	-1 bps	0.86%	10.5%
Missouri	89	$19.4B	+7.1%	5.2%	78%	0.69%	+3 bps	0.65%	10.0%
Kansas	62	$19.4B	+38.4%	11.6%	81%	1.07%	+29 bps	0.68%	10.6%
Nebraska	50	$7.0B	+7.5%	8.8%	84%	0.88%	-3 bps	0.79%	11.6%
South Dakota	33	$6.2B	+2.5%	16.5%	75%	0.74%	-8 bps	0.91%	10.6%
North Dakota	29	$6.1B	+4.5%	57.6%	80%	1.14%	-23 bps	0.87%	13.1%

Small-business lending

SBA 7(a) approvals into the Plains states since FY2008, across every lender type

$27.6B of 7(a) credit has been approved into the Plains states since FY2008 across 76,987 loans. Accommodation & food services is the largest category at 14.0%, Manufacturing at 13.3%, Retail trade at 11.9%; the three together are 39% of the money. The heaviest losses fall in Retail trade, at 3.49% of approvals charged off.

7(a) lenders in the Plains states, share of approvalssince FY2008, 1,236 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue

What the Plains states' 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest

The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike

Industry	Approved	Loans	Share	Charged off	Loss rate
Accommodation & food services	$3.9B	9,199	14.0%	$105M	2.71%
Manufacturing	$3.7B	6,980	13.3%	$95M	2.58%
Retail trade	$3.3B	10,271	11.9%	$115M	3.49%
Construction	$2.6B	9,680	9.4%	$85M	3.27%
Health care & social assistance	$2.5B	6,937	9.2%	$32M	1.28%
Other services	$2.1B	7,203	7.6%	$36M	1.73%
Professional & technical services	$1.9B	6,407	6.7%	$34M	1.86%
Wholesale trade	$1.7B	3,392	6.2%	$54M	3.14%
Administrative & waste services	$1.1B	4,013	4.0%	$25M	2.25%
Transportation & warehousing	$1.1B	3,474	3.9%	$23M	2.16%
Arts, entertainment & recreation	$990M	2,717	3.6%	$31M	3.18%
Agriculture, forestry & fishing	$811M	1,401	2.9%	$11M	1.39%

The largest state marketsapprovals since FY2008 and how many lenders have written there

State	Approved	Loans	Lenders
Minnesota	$9.8B	29,265	444
Missouri	$7.6B	18,690	444
Kansas	$3.2B	8,289	343
Iowa	$2.9B	8,041	416
Nebraska	$2.3B	6,713	257
North Dakota	$913M	3,181	159
South Dakota	$912M	2,808	164

The other regions Great Lakes · Mid-Atlantic · Mountain West · New England · Pacific · South Central · Southeast · Southwest

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Plains institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 8 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; Schedule RC-N past-due detail via the FDIC; SBA 7(a) release
Cohort every institution filing in the Plains states

Computed from each institution's own filing as published; aggregates are dollar-weighted sums across the filers, medians unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.

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