SBA 7(a) lenders in Laclede, MO
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
20 institutions have SBA 7(a) loans on record in Laclede, together $40.3M across 157 loans. First State Community Bank is the largest, with 30% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | First State Community Bank | 23 | $12.2M | 30.3% | 6.62% |
| 2 | Heritage Bank of the Ozarks | 61 | $8.6M | 21.4% | 1.09% |
| 3 | U.S. Bank, National Association | 27 | $3.0M | 7.6% | 0.00% |
| 4 | Guaranty Bank | 3 | $3.0M | 7.5% | 0.00% |
| 5 | Live Oak Banking Company | 1 | $2.6M | 6.6% | 0.00% |
| 6 | Elevate Bank National Association | 1 | $1.8M | 4.4% | 0.00% |
| 7 | Mid-Missouri Bank | 8 | $1.7M | 4.2% | 0.00% |
| 8 | OakStar Bank | 3 | $1.5M | 3.8% | 0.00% |
| 9 | Arvest Bank | 9 | $1.3M | 3.2% | 21.41% |
| 10 | Regent Bank | 1 | $1.2M | 3.1% | 0.00% |
| 11 | Bank of Crocker | 6 | $1.1M | 2.8% | 31.24% |
| 12 | Simmons Bank | 3 | $768K | 1.9% | 7.89% |
| 13 | Celtic Bank Corporation | 1 | $394K | 1.0% | 0.00% |
| 14 | Legacy Bank & Trust Company | 3 | $223K | 0.6% | 0.00% |
| 15 | Commerce Bank | 2 | $187K | 0.5% | 0.00% |
| 16 | The Central Trust Bank | 1 | $186K | 0.5% | 0.00% |
| 17 | OMB Bank | 1 | $150K | 0.4% | 0.00% |
| 18 | First Bank of the Lake | 1 | $75K | 0.2% | 0.00% |
| 19 | Southern Bank | 1 | $70K | 0.2% | 0.00% |
| 20 | Readycap Lending, LLC | 1 | $50K | 0.1% | 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 | Manufacturing | 14 | $9.8M | 24.2% |
| 2 | Accommodation & food services | 19 | $5.4M | 13.4% |
| 3 | Retail trade | 14 | $5.1M | 12.5% |
| 4 | Health care & social assistance | 11 | $4.5M | 11.2% |
| 5 | Wholesale trade | 5 | $3.9M | 9.6% |
| 6 | Construction | 31 | $2.6M | 6.4% |
| 7 | Transportation & warehousing | 16 | $1.8M | 4.6% |
| 8 | Other services | 13 | $1.5M | 3.7% |
| 9 | Real estate & leasing | 3 | $1.4M | 3.5% |
| 10 | Arts, entertainment & recreation | 6 | $1.0M | 2.5% |
| 11 | Administrative & waste services | 8 | $928K | 2.3% |
| 12 | Manufacturing | 3 | $734K | 1.8% |
| 13 | Retail trade | 2 | $685K | 1.7% |
| 14 | Manufacturing | 1 | $587K | 1.5% |
| 15 | Agriculture, forestry & fishing | 4 | $184K | 0.5% |
| 16 | Professional & technical services | 4 | $175K | 0.4% |
| 17 | Transportation & warehousing | 2 | $75K | 0.2% |
| 18 | Finance & insurance | 1 | $30K | 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.