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 funded approval in the available source window 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 | Funded loans in source data | 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% |
How fast Four States Bank, Inc. actually funds
Approval is not money in the bank. Across 41 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Four States Bank, Inc. is 15 days. Half its loans fund between 7 and 27 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
SBA approvals at Four States Bank, Inc. by fiscal year.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- 37.8% of its funded SBA records with known business age 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. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. 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..