SBA 7(a) lenders in Phelps, MO

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

Lenders

28 institutions have SBA 7(a) loans on record in Phelps, together $36.6M across 101 loans. FCNB Bank is the largest, with 17% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	FCNB Bank	21	$6.3M	17.2%	3.86%
2	Live Oak Banking Company	5	$5.5M	15.0%	0.00%
3	Newtek Bank, National Association	1	$4.0M	10.9%	0.00%
4	UMB Bank, National Association	2	$2.7M	7.4%	0.00%
5	Bank of Crocker	6	$2.5M	6.9%	16.01%
6	Guaranty Bank	5	$2.5M	6.8%	0.00%
7	Arvest Bank	1	$2.0M	5.5%	0.00%
8	Phelps County Bank	13	$1.6M	4.4%	20.62%
9	VelocitySBA, LLC	2	$1.4M	3.9%	0.00%
10	U.S. Bank, National Association	12	$1.3M	3.5%	24.48%
11	Town and Country Bank	7	$1.1M	3.0%	4.59%
12	Bank Five Nine	1	$968K	2.6%	0.00%
13	The Bank of Missouri	4	$803K	2.2%	18.15%
14	First State Community Bank	2	$686K	1.9%	0.00%
15	The Callaway Bank	2	$645K	1.8%	0.00%
16	The Maries County Bank	2	$480K	1.3%	0.00%
17	Four States Bank, Inc.	1	$423K	1.2%	0.00%
18	The Huntington National Bank	2	$380K	1.0%	0.00%
19	JPMorgan Chase Bank, National Association	1	$255K	0.7%	0.00%
20	Wells Fargo Bank National Association	1	$205K	0.6%	0.00%
21	UniBank	1	$196K	0.5%	0.00%
22	The Central Trust Bank	2	$169K	0.5%	0.00%
23	Hawthorn Bank	1	$150K	0.4%	0.00%
24	Heritage Community Bank	1	$100K	0.3%	66.93%
25	Capital One National Association	1	$50K	0.1%	98.61%
26	Great Southern Bank	1	$41K	0.1%	0.00%
27	Sullivan Bank	2	$40K	0.1%	0.00%
28	Northeast Bank	1	$25K	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	Accommodation & food services	13	$5.9M	16.1%
2	Other services	8	$4.4M	12.0%
3	Manufacturing	6	$4.3M	11.9%
4	Manufacturing	2	$4.0M	11.0%
5	Retail trade	13	$3.8M	10.3%
6	Real estate & leasing	6	$3.1M	8.4%
7	Arts, entertainment & recreation	8	$2.6M	7.1%
8	Construction	11	$2.5M	6.8%
9	Professional & technical services	6	$1.7M	4.8%
10	Educational services	3	$730K	2.0%
11	Wholesale trade	5	$665K	1.8%
12	Health care & social assistance	5	$664K	1.8%
13	Finance & insurance	1	$634K	1.7%
14	Manufacturing	4	$534K	1.5%
15	Retail trade	4	$505K	1.4%
16	Transportation & warehousing	2	$267K	0.7%
17	Transportation & warehousing	2	$174K	0.5%
18	Agriculture, forestry & fishing	1	$55K	0.2%
19	Administrative & waste services	1	$49K	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.