Four States Bank, Inc.: SBA Lending Profile
Four States Bank, Inc. is an FDIC-insured bank, headquartered in Carthage, MO. It is active in 3 states, concentrated around MO, IA, OK. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Four States Bank, Inc. actually approves
The median SBA approval at Four States Bank, Inc. is $258,900. The middle 80% of its loans fall between $81,300 and $1,181,350. The smallest approval on record since 2020 is $30,000 and the largest is $1,925,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 50 | $259K | 10% | 10 years |
| 504 first mortgage (third party) | 1 | n/a | n/a | n/a |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Full-Service Restaurants | 6 | 13% |
| Portfolio Management and Investment Advice | 3 | 6.5% |
| Upholstered Household Furniture Manufacturing | 2 | 4.3% |
| Sporting Goods Retailers | 2 | 4.3% |
| Masonry Contractors | 2 | 4.3% |
| Fitness and Recreational Sports Centers | 2 | 4.3% |
| Tax Preparation Services | 2 | 4.3% |
| Offices of Real Estate Agents and Brokers | 2 | 4.3% |
| General Automotive Repair | 1 | 2.2% |
| Landscaping Services | 1 | 2.2% |
| Automotive Parts and Accessories Retailers | 1 | 2.2% |
| Clothing and Clothing Accessories Retailers | 1 | 2.2% |
Borrower profile
- 37.8% of its recent SBA loans went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 97.8% of its recent SBA loans.
- 17.4% of its SBA lending is revolving lines of credit rather than term loans.
- 0% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Four States Bank, Inc..