SBA 7(a) lenders in Saint Charles, MO

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

Lenders

136 institutions have SBA 7(a) loans on record in Saint Charles, together $456.8M across 1,222 loans. Midwest Regional Bank is the largest, with 11% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Midwest Regional Bank	66	$51.0M	11.2%	2.06%
2	Live Oak Banking Company	15	$35.1M	7.7%	1.64%
3	American Bank of Freedom	36	$32.4M	7.1%	0.00%
4	U.S. Bank, National Association	266	$28.5M	6.2%	3.71%
5	Regions Bank	39	$19.7M	4.3%	0.56%
6	Busey Bank	36	$18.9M	4.1%	0.35%
7	The Huntington National Bank	32	$13.5M	2.9%	2.66%
8	Enterprise Bank & Trust	28	$13.4M	2.9%	0.00%
9	The Bank of Houston	16	$12.8M	2.8%	0.00%
10	St. Louis Bank	19	$10.9M	2.4%	0.00%
11	Commerce Bank	65	$10.0M	2.2%	0.00%
12	St. Johns Bank and Trust Company	18	$9.9M	2.2%	0.00%
13	First Merchants Bank	3	$9.7M	2.1%	0.00%
14	Wells Fargo Bank National Association	12	$8.2M	1.8%	0.00%
15	UMB Bank, National Association	32	$7.8M	1.7%	0.00%
16	CIBC Bank USA	9	$6.4M	1.4%	34.40%
17	Bank of America, National Association	14	$6.3M	1.4%	0.00%
18	Byline Bank	6	$6.2M	1.4%	15.63%
19	Simmons Bank	18	$6.0M	1.3%	1.68%
20	Newtek Bank, National Association	13	$5.7M	1.2%	0.00%
21	Celtic Bank Corporation	15	$5.6M	1.2%	0.00%
22	BayFirst National Bank	18	$5.5M	1.2%	6.88%
23	PNC Bank, National Association	34	$5.2M	1.1%	1.09%
24	Midland States Bank	15	$5.0M	1.1%	4.67%
25	World Trade Finance, Inc.	1	$5.0M	1.1%	77.13%
26	Customers Bank	1	$5.0M	1.1%	0.00%
27	Genisys CU	1	$4.8M	1.1%	0.00%
28	Southern Bank	11	$4.8M	1.0%	7.70%
29	Citizens Bank	7	$4.0M	0.9%	0.00%
30	New Frontier Bank	17	$3.7M	0.8%	0.00%
31	Fifth Third Bank	9	$3.3M	0.7%	0.00%
32	Bank of Franklin County	5	$3.2M	0.7%	0.00%
33	First Mid Bank & Trust, National Association	8	$3.1M	0.7%	0.00%
34	Readycap Lending, LLC	10	$3.1M	0.7%	0.00%
35	Pathward National Association	4	$2.7M	0.6%	0.00%
36	VelocitySBA, LLC	24	$2.6M	0.6%	1.45%
37	The Bancorp Bank National Association	4	$2.5M	0.6%	2.06%
38	Stifel Bank	7	$2.5M	0.5%	0.00%
39	Peoples National Bank National Association	10	$2.4M	0.5%	8.43%
40	United Midwest Savings Bank National Association	16	$2.3M	0.5%	9.40%
41	Northeast Bank	20	$2.3M	0.5%	0.00%
42	Lender 2057189	9	$2.3M	0.5%	0.00%
43	Sunflower Bank National Association	2	$2.1M	0.5%	0.00%
44	Happen Bank	2	$2.1M	0.5%	0.00%
45	The Bank of Missouri	5	$2.0M	0.4%	11.68%
46	Midwest BankCentre	6	$2.0M	0.4%	0.00%
47	First-Citizens Bank & Trust Company	1	$2.0M	0.4%	89.14%
48	KeyBank National Association	1	$1.9M	0.4%	0.00%
49	Community First Bank of the Heartland	2	$1.9M	0.4%	0.00%
50	Bank of Washington	4	$1.7M	0.4%	0.00%
51	Stearns Bank National Association	10	$1.6M	0.4%	10.81%
52	The Bank of Old Monroe	4	$1.6M	0.3%	0.00%
53	JPMorgan Chase Bank, National Association	2	$1.5M	0.3%	0.00%
54	Bank of Springfield	2	$1.5M	0.3%	0.00%
55	INB, National Association	3	$1.4M	0.3%	0.00%
56	TowneBank	1	$1.4M	0.3%	0.00%
57	Banc of California	3	$1.4M	0.3%	0.00%
58	The Central Trust Bank	11	$1.3M	0.3%	1.46%
59	Triad Bank	2	$1.2M	0.3%	0.00%
60	1st Financial Bank USA	1	$1.2M	0.3%	0.00%
61	FCNB Bank	2	$1.1M	0.2%	0.00%
62	Royal Banks of Missouri	6	$1.1M	0.2%	0.00%
63	Truist Bank	1	$1.0M	0.2%	0.00%
64	Sullivan Bank	5	$1.0M	0.2%	0.00%
65	GBC International Bank	1	$1.0M	0.2%	0.00%
66	First State Bank of St Charles, Missouri	7	$964K	0.2%	9.41%
67	HNB National Bank	6	$904K	0.2%	1.76%
68	Beacon Bank and Trust	1	$872K	0.2%	0.00%
69	Associated Bank National Association	3	$868K	0.2%	31.38%
70	Bank Five Nine	2	$810K	0.2%	0.00%
71	Harvest Small Business Finance, LLC	1	$809K	0.2%	0.00%
72	Paragon Bank	2	$793K	0.2%	0.00%
73	Great Southern Bank	8	$782K	0.2%	31.26%
74	CNB St. Louis Bank	1	$779K	0.2%	0.00%
75	First Bank	7	$775K	0.2%	0.00%
76	American Momentum Bank	2	$740K	0.2%	0.00%
77	BMO Bank National Association	13	$704K	0.2%	9.86%
78	1st Advantage Bank	3	$701K	0.2%	0.00%
79	Justine Petersen Housing & Reinvestment Corporation	6	$686K	0.2%	0.00%
80	First Community Credit Union	10	$632K	0.1%	2.40%
81	United Bank of Union	1	$610K	0.1%	0.00%
82	Bank of Belleville	2	$596K	0.1%	0.00%
83	Farmers and Merchants Bank of St. Clair	5	$590K	0.1%	13.28%
84	Independence Bank	5	$575K	0.1%	16.14%
85	First Bank of the Lake	2	$558K	0.1%	40.74%
86	Lender 15264	4	$499K	0.1%	0.00%
87	Luminate Bank	1	$490K	0.1%	0.00%
88	Five Star Bank	2	$450K	0.1%	0.00%
89	Scott Credit Union	3	$446K	0.1%	38.17%
90	First National Bank of Pennsylvania	1	$446K	0.1%	0.00%
91	HOMEBANK	1	$426K	0.1%	0.00%
92	FandM Bank and Trust Company	1	$420K	0.1%	0.00%
93	Banterra Bank	2	$415K	0.1%	0.00%
94	Heritage Community Bank	2	$400K	0.1%	0.00%
95	The First National Bank of Waterloo	1	$400K	0.1%	0.00%
96	BankUnited, National Association	1	$378K	0.1%	0.00%
97	Banesco USA	1	$373K	0.1%	0.00%
98	United Community Bank	1	$370K	0.1%	0.00%
99	Wilmington Savings Fund Society FSB	1	$365K	0.1%	0.00%
100	HomeTrust Bank	1	$350K	0.1%	0.00%
101	Central National Bank	1	$350K	0.1%	0.00%
102	SNB Bank National Association	1	$350K	0.1%	73.75%
103	BankPlus	1	$350K	0.1%	0.00%
104	INTRUST Bank National Association	1	$345K	0.1%	0.00%
105	Capital Community Bank	1	$344K	0.1%	0.00%
106	United Community Bank	1	$340K	0.1%	0.00%
107	Federal Deposit Insurance Corporation	1	$329K	0.1%	0.00%
108	Core Bank	1	$320K	0.1%	0.00%
109	Metro City Bank	1	$315K	0.1%	0.00%
110	Buckeye State Bank	1	$314K	0.1%	0.00%
111	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$300K	0.1%	0.00%
112	Montgomery Bank	2	$250K	0.1%	0.00%
113	CRF Small Business Loan Company, LLC	1	$230K	0.1%	0.00%
114	Elevate Bank National Association	1	$225K	0.0%	0.00%
115	SouthState Bank, National Association	1	$220K	0.0%	0.00%
116	Grasshopper Bank National Association	1	$218K	0.0%	0.00%
117	Hawthorn Bank	2	$217K	0.0%	0.00%
118	National Cooperative Bank, National Association	1	$204K	0.0%	63.16%
119	FinWise Bank	1	$200K	0.0%	0.00%
120	Heritage Bank Inc	1	$189K	0.0%	0.00%
121	Gulf Coast Bank and Trust Company	1	$183K	0.0%	0.00%
122	Lendistry SBLC, LLC	2	$176K	0.0%	0.00%
123	Alliance CU	2	$175K	0.0%	13.04%
124	Jonesburg State Bank	1	$150K	0.0%	0.00%
125	Colony Bank	1	$150K	0.0%	0.00%
126	Lindell Bank & Trust Company	1	$150K	0.0%	0.00%
127	Capital One National Association	4	$120K	0.0%	7.55%
128	Peoples Bank & Trust	1	$114K	0.0%	0.00%
129	CDC Small Business Finance Corp.	2	$100K	0.0%	0.00%
130	Columbia Bank	2	$100K	0.0%	0.00%
131	Optus Bank	1	$80K	0.0%	0.00%
132	Peoples Bank and Trust Co	1	$78K	0.0%	0.00%
133	Magnifi Financial CU	1	$70K	0.0%	0.00%
134	OakStar Bank	1	$50K	0.0%	0.00%
135	Alltru Federal Credit Union	1	$40K	0.0%	0.00%
136	Glenwood State Bank Incorporated	1	$33K	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	152	$71.2M	15.6%
2	Health care & social assistance	123	$69.2M	15.1%
3	Other services	133	$46.3M	10.1%
4	Construction	214	$40.7M	8.9%
5	Professional & technical services	91	$31.5M	6.9%
6	Arts, entertainment & recreation	71	$31.1M	6.8%
7	Transportation & warehousing	40	$26.8M	5.9%
8	Real estate & leasing	25	$21.3M	4.7%
9	Wholesale trade	52	$21.1M	4.6%
10	Retail trade	69	$20.2M	4.4%
11	Administrative & waste services	90	$19.8M	4.3%
12	Manufacturing	28	$18.5M	4.1%
13	Finance & insurance	39	$9.2M	2.0%
14	Retail trade	41	$8.8M	1.9%
15	Manufacturing	16	$5.9M	1.3%
16	Educational services	18	$5.2M	1.1%
17	Manufacturing	5	$5.2M	1.1%
18	Transportation & warehousing	5	$2.2M	0.5%
19	Information	6	$1.7M	0.4%
20	Utilities	1	$410K	0.1%
21	Agriculture, forestry & fishing	2	$371K	0.1%
22	Mining & extraction	1	$352K	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.