SBA 7(a) lenders in Clay, MO

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

107 institutions have SBA 7(a) loans on record in Clay, together $270.5M across 666 loans. Wells Fargo Bank National Association is the largest, with 10% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Wells Fargo Bank National Association	27	$26.9M	9.9%	0.00%
2	U.S. Bank, National Association	91	$21.1M	7.8%	3.62%
3	Banc of California	3	$13.6M	5.0%	0.00%
4	UMB Bank, National Association	44	$9.5M	3.5%	0.00%
5	Live Oak Banking Company	10	$9.5M	3.5%	0.00%
6	First Business Bank	15	$9.2M	3.4%	7.51%
7	Commerce Bank	49	$7.9M	2.9%	1.67%
8	Busey Bank	9	$7.3M	2.7%	0.00%
9	The Huntington National Bank	27	$7.2M	2.7%	0.00%
10	US Metro Bank	2	$6.6M	2.4%	0.00%
11	Community Banks of Colorado, A Division of NBH Bank	12	$6.6M	2.4%	5.37%
12	OakStar Bank	8	$6.5M	2.4%	0.00%
13	Core Bank	8	$6.0M	2.2%	6.43%
14	CommunityAmerica Federal Credit Union	9	$5.9M	2.2%	0.00%
15	Enterprise Bank & Trust	4	$5.4M	2.0%	2.64%
16	First National Bank of Omaha	10	$5.2M	1.9%	12.05%
17	Pony Express Bank	12	$5.2M	1.9%	0.00%
18	Southern Bank	19	$5.1M	1.9%	1.79%
19	First Bank of the Lake	2	$5.1M	1.9%	0.00%
20	Sunflower Bank National Association	7	$4.7M	1.8%	0.00%
21	Simmons Bank	5	$4.5M	1.7%	0.00%
22	First Internet Bank of Indiana	1	$4.2M	1.6%	0.00%
23	First-Citizens Bank & Trust Company	2	$4.1M	1.5%	0.00%
24	Verimore Bank	12	$3.9M	1.4%	0.00%
25	The Central Trust Bank	21	$3.7M	1.4%	5.76%
26	BMO Bank National Association	15	$3.6M	1.3%	0.00%
27	Hawthorn Bank	9	$3.1M	1.1%	0.00%
28	Midwest Regional Bank	4	$2.8M	1.0%	0.00%
29	Kendall Bank	5	$2.8M	1.0%	0.00%
30	United Community Bank	3	$2.6M	1.0%	0.00%
31	Readycap Lending, LLC	6	$2.5M	0.9%	0.00%
32	NBKC Bank	5	$2.3M	0.9%	0.00%
33	Royal Banks of Missouri	2	$2.1M	0.8%	0.00%
34	Central Bank of the Midwest	2	$2.1M	0.8%	0.00%
35	Landmark National Bank	3	$2.1M	0.8%	9.78%
36	BOKF, National Association	6	$2.0M	0.7%	4.81%
37	First Financial Bank	3	$1.9M	0.7%	0.00%
38	HNB National Bank	15	$1.9M	0.7%	2.69%
39	Equity Bank	9	$1.9M	0.7%	17.72%
40	Lincoln Savings Bank	2	$1.8M	0.7%	0.00%
41	Celtic Bank Corporation	9	$1.7M	0.6%	5.89%
42	INTRUST Bank National Association	5	$1.6M	0.6%	0.00%
43	United Midwest Savings Bank National Association	11	$1.6M	0.6%	12.08%
44	Academy Bank National Association	4	$1.6M	0.6%	0.00%
45	Emprise Bank	2	$1.5M	0.6%	0.00%
46	BayFirst National Bank	9	$1.4M	0.5%	0.00%
47	Arvest Bank	10	$1.3M	0.5%	0.00%
48	Security Bank of Kansas City	3	$1.2M	0.5%	0.00%
49	Commercial Bank of California	1	$1.2M	0.4%	0.00%
50	First Interstate Bank	2	$1.2M	0.4%	0.00%
51	CIBC Bank USA	2	$1.2M	0.4%	0.00%
52	PNC Bank, National Association	1	$1.2M	0.4%	0.00%
53	Legacy Bank & Trust Company	5	$1.1M	0.4%	0.00%
54	Happen Bank	1	$1.1M	0.4%	0.00%
55	Northeast Bank	7	$1.0M	0.4%	0.00%
56	Wilmington Savings Fund Society FSB	1	$1.0M	0.4%	0.00%
57	Bank of America, National Association	2	$965K	0.4%	0.00%
58	Citizens Bank	1	$920K	0.3%	0.00%
59	JPMorgan Chase Bank, National Association	1	$821K	0.3%	0.00%
60	Newtek Small Business Finance, Inc.	5	$821K	0.3%	0.00%
61	Small Business Bank	5	$733K	0.3%	0.00%
62	Mazuma CU	9	$720K	0.3%	7.46%
63	Merchants Bank of Indiana	1	$643K	0.2%	0.00%
64	Byline Bank	1	$600K	0.2%	0.00%
65	Newtek Bank, National Association	2	$579K	0.2%	0.00%
66	Bank of Springfield	2	$530K	0.2%	0.00%
67	Customers Bank	2	$512K	0.2%	0.00%
68	Port 51 Lending LLC	1	$500K	0.2%	0.00%
69	Bank of Hope	1	$482K	0.2%	0.00%
70	Heritage Bank Inc	1	$480K	0.2%	0.00%
71	Regent Bank	2	$460K	0.2%	0.00%
72	Hancock Whitney Bank	1	$457K	0.2%	0.00%
73	Stearns Bank National Association	3	$452K	0.2%	0.00%
74	The Bank of Missouri	2	$450K	0.2%	0.00%
75	Independence Bank	3	$450K	0.2%	16.46%
76	Community Bank	1	$443K	0.2%	0.00%
77	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$430K	0.2%	0.00%
78	Community National Bank	1	$425K	0.2%	0.00%
79	Community Bank of Missouri	1	$396K	0.1%	0.00%
80	Capital Community Bank	1	$380K	0.1%	0.00%
81	OMB Bank	1	$350K	0.1%	0.00%
82	Grasshopper Bank National Association	1	$350K	0.1%	0.00%
83	FDIC - Community Bank & Trust-West Georgia	1	$338K	0.1%	85.85%
84	America First Federal Credit Union	1	$330K	0.1%	0.00%
85	City National Bank of Florida	1	$325K	0.1%	0.00%
86	Premier Bank	2	$308K	0.1%	0.00%
87	The Bank of Edison	1	$294K	0.1%	0.00%
88	First Heritage Bank	5	$265K	0.1%	0.00%
89	Justine Petersen Housing & Reinvestment Corporation	3	$263K	0.1%	0.00%
90	Outdoor Bank	1	$222K	0.1%	0.00%
91	First Bank	1	$215K	0.1%	0.00%
92	CRF Small Business Loan Company, LLC	1	$210K	0.1%	0.00%
93	Seacoast National Bank	2	$210K	0.1%	0.00%
94	Greater Nevada CU	1	$175K	0.1%	0.00%
95	Bank Northwest	1	$172K	0.1%	0.00%
96	Great Southern Bank	1	$135K	0.0%	0.00%
97	Five Star Bank	1	$125K	0.0%	0.00%
98	Titan Bank, National Association	1	$125K	0.0%	0.00%
99	CDC Small Business Finance Corp.	1	$123K	0.0%	0.00%
100	First State Bank and Trust	1	$123K	0.0%	0.00%
101	Capitol Federal Savings Bank	1	$114K	0.0%	0.00%
102	Carver State Bank	1	$108K	0.0%	0.00%
103	Capital One National Association	2	$85K	0.0%	0.00%
104	Bank of Hays	3	$77K	0.0%	7.52%
105	Northwest Bank	1	$77K	0.0%	0.00%
106	VelocitySBA, LLC	7	$75K	0.0%	25.55%
107	Union Bank and Trust Company	1	$71K	0.0%	0.00%

Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.

What the money went into

Rank	Industry	Loans	Approved	Share of county
1	Accommodation & food services	72	$37.9M	14.0%
2	Health care & social assistance	71	$35.4M	13.1%
3	Construction	73	$24.9M	9.2%
4	Retail trade	46	$24.7M	9.1%
5	Manufacturing	26	$21.3M	7.9%
6	Other services	57	$19.3M	7.1%
7	Professional & technical services	52	$15.8M	5.8%
8	Wholesale trade	41	$14.6M	5.4%
9	Arts, entertainment & recreation	29	$11.7M	4.3%
10	Transportation & warehousing	48	$11.5M	4.3%
11	Administrative & waste services	38	$10.4M	3.8%
12	Manufacturing	15	$9.8M	3.6%
13	Retail trade	30	$7.2M	2.7%
14	Information	15	$7.0M	2.6%
15	Agriculture, forestry & fishing	5	$5.4M	2.0%
16	Real estate & leasing	13	$5.4M	2.0%
17	Finance & insurance	9	$2.4M	0.9%
18	Transportation & warehousing	5	$2.2M	0.8%
19	Educational services	13	$2.0M	0.7%
20	Manufacturing	7	$1.5M	0.5%
21	Management of companies	1	$329K	0.1%

Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.

About this data

Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.