SBA 7(a) lenders in Ralls, MO
Approvals in SBA fiscal years 2008–2024. Source data as of 2026-06-30.
Lenders
10 institutions have SBA 7(a) loans on record in Ralls, together $4.8M across 17 loans. American Bank of Freedom is the largest, with 29% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | American Bank of Freedom | 1 | $1.4M | 29.1% | 0.00% |
| 2 | Shoreham Bank | 1 | $1.3M | 27.0% | 0.00% |
| 3 | Commerce Bank | 5 | $466K | 9.8% | 0.00% |
| 4 | Royal Banks of Missouri | 1 | $440K | 9.2% | 0.00% |
| 5 | HNB National Bank | 2 | $404K | 8.5% | 0.00% |
| 6 | The Central Trust Bank | 1 | $350K | 7.3% | 0.00% |
| 7 | BayFirst National Bank | 2 | $300K | 6.3% | 0.00% |
| 8 | Northeast Bank | 2 | $100K | 2.1% | 0.00% |
| 9 | FandM Bank and Trust Company | 1 | $30K | 0.6% | 0.00% |
| 10 | U.S. Bank, National Association | 1 | $10K | 0.2% | 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 | 4 | $2.1M | 43.2% |
| 2 | Finance & insurance | 1 | $1.4M | 29.1% |
| 3 | Construction | 4 | $400K | 8.4% |
| 4 | Manufacturing | 1 | $350K | 7.3% |
| 5 | Wholesale trade | 3 | $279K | 5.8% |
| 6 | Other services | 2 | $177K | 3.7% |
| 7 | Real estate & leasing | 1 | $88K | 1.8% |
| 8 | Health care & social assistance | 1 | $30K | 0.6% |
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.