SBA 7(a) lenders in Polk, MO
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
23 institutions have SBA 7(a) loans on record in Polk, together $60.3M across 148 loans. OakStar Bank is the largest, with 54% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | OakStar Bank | 58 | $32.4M | 53.7% | 0.08% |
| 2 | Live Oak Banking Company | 5 | $8.3M | 13.7% | 0.00% |
| 3 | Simmons Bank | 21 | $8.2M | 13.6% | 19.18% |
| 4 | Arvest Bank | 4 | $1.7M | 2.8% | 0.00% |
| 5 | Heritage Bank of the Ozarks | 3 | $1.6M | 2.6% | 13.10% |
| 6 | The Bank of Missouri | 6 | $1.5M | 2.6% | 0.00% |
| 7 | First Service Bank | 1 | $824K | 1.4% | 0.00% |
| 8 | O'Bannon Banking Company | 3 | $788K | 1.3% | 0.00% |
| 9 | BayFirst National Bank | 4 | $717K | 1.2% | 0.00% |
| 10 | St. Clair County State Bank | 4 | $551K | 0.9% | 0.00% |
| 11 | Mid-Missouri Bank | 4 | $513K | 0.9% | 0.00% |
| 12 | Commerce Bank | 6 | $497K | 0.8% | 19.80% |
| 13 | Grand Missouri Bank | 2 | $460K | 0.8% | 0.00% |
| 14 | Freedom Bank of Southern Missouri | 1 | $438K | 0.7% | 0.00% |
| 15 | First Independent Bank | 1 | $320K | 0.5% | 0.00% |
| 16 | The Huntington National Bank | 2 | $314K | 0.5% | 134.95% |
| 17 | U.S. Bank, National Association | 13 | $272K | 0.5% | 0.00% |
| 18 | Regent Bank | 1 | $222K | 0.4% | 0.00% |
| 19 | Guaranty Bank | 4 | $217K | 0.4% | 0.00% |
| 20 | Great Southern Bank | 1 | $200K | 0.3% | 0.00% |
| 21 | UMB Bank, National Association | 2 | $150K | 0.2% | 51.68% |
| 22 | Southern Bank | 1 | $120K | 0.2% | 0.00% |
| 23 | Four States Bank, Inc. | 1 | $79K | 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 | Agriculture, forestry & fishing | 11 | $17.6M | 29.2% |
| 2 | Accommodation & food services | 20 | $8.4M | 14.0% |
| 3 | Manufacturing | 11 | $7.0M | 11.6% |
| 4 | Retail trade | 8 | $6.8M | 11.4% |
| 5 | Administrative & waste services | 12 | $3.6M | 6.0% |
| 6 | Construction | 22 | $3.3M | 5.5% |
| 7 | Other services | 14 | $2.5M | 4.2% |
| 8 | Health care & social assistance | 10 | $2.0M | 3.3% |
| 9 | Manufacturing | 5 | $1.8M | 3.1% |
| 10 | Wholesale trade | 6 | $1.7M | 2.8% |
| 11 | Real estate & leasing | 4 | $1.4M | 2.3% |
| 12 | Professional & technical services | 5 | $1.2M | 2.0% |
| 13 | Retail trade | 6 | $947K | 1.6% |
| 14 | Manufacturing | 5 | $935K | 1.6% |
| 15 | Transportation & warehousing | 6 | $610K | 1.0% |
| 16 | Information | 1 | $225K | 0.4% |
| 17 | Finance & insurance | 2 | $152K | 0.3% |
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.