The Bank of Missouri: SBA Lending Record
What SBA's own loan files show about The Bank of Missouri as an SBA lender, and how a lender's record bears on a feasibility study.
The Bank of Missouri: loans and programs
The Bank of Missouri stands at 415 approved loans and $135.8 million gross, FY2017 to FY2026. SBA, not The Bank of Missouri, guarantees these 415 loans. The figures for The Bank of Missouri are loan records only. All 415 loans at The Bank of Missouri are 7(a); 0 are 504. These 415 loans are ones that SBA shows The Bank of Missouri holding, now or before. In SBA's file, The Bank of Missouri sits in MO.
Classes and places for The Bank of Missouri
297 of The Bank of Missouri's 415 loans sit outside the classes covered on this site. Among followed classes, The Bank of Missouri reads as follows: Limited-service restaurant (24), Full-service restaurant (22), Rehabilitation and therapy clinic (16), Fitness center (13), Hotel and motel (8), Automotive mechanical repair (car and truck) (7), Child care center (7), Coffee shop and snack bar (5). Limited-service restaurant borrowers can set a project against 24 such loans at The Bank of Missouri. The Bank of Missouri shows 22 loans in Full-service restaurant, the next class. Rehabilitation and therapy clinic comes third at The Bank of Missouri, with 16 loans. Kansas ranks second among states for The Bank of Missouri, at 10 loans. Geography for The Bank of Missouri follows this order: Missouri (387), Kansas (10), Arizona (6). SBA records the lender state as MO, and the largest state by loans is Missouri.
Cancellation and charge-off floors for The Bank of Missouri
The cancellation floor for The Bank of Missouri on FY2017 to FY2024 approvals is 10.2%, while the ceiling for The Bank of Missouri, with undisbursed loans counted as cancelled, matches 10.2%. The charge-off floor for The Bank of Missouri on FY2017 to FY2021 disbursements stands at 9.8%, measured across 255 loans. The five-year view for The Bank of Missouri, measured from approval, reads 6.7%. Every rate for The Bank of Missouri is a floor, and further charge-offs in the group can only raise it.
The Bank of Missouri record and a feasibility study
Limited-service restaurant at The Bank of Missouri opens with a check on demand. Second, a study of Full-service restaurant should check the cost to build, with 22 such loans on The Bank of Missouri's record. Debt service coverage follows, and $135.8 million across 415 loans at The Bank of Missouri cannot settle it for a borrower. An appraisal is the last test, and 16 Rehabilitation and therapy clinic loans at The Bank of Missouri cannot do its job. An applicant in Missouri will see 387 loans in the record of The Bank of Missouri, and one in Kansas, 10. The Bank of Missouri alone can say what it requires. Nothing implies approval, and The Bank of Missouri sets its own terms.
SBA loans held by The Bank of Missouri
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 415 |
|---|---|
| Gross dollars approved | $135.8 million |
| SBA 7(a) loans | 415 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 10.2% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 9.8% |
| Charged off within five years of approval | 6.7% |
| Loans in that cohort | 255 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 297 |
| Limited-service restaurant | 24 |
| Full-service restaurant | 22 |
| Rehabilitation and therapy clinic | 16 |
| Fitness center | 13 |
| Hotel and motel | 8 |
| Automotive mechanical repair (car and truck) | 7 |
| Child care center | 7 |
| Coffee shop and snack bar | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-1617.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- Feasibility studies for SBA 7(a) and 504 loans
- Enterprise Bank & Trust: SBA Lending Record
- First Bank of the Lake: SBA Lending Record
- Midwest Regional Bank: SBA Lending Record
- OakStar Bank: SBA Lending Record
- UMB Bank, National Association: SBA Lending Record
- Rural Missouri, Inc.: SBA Lending Record
- Commerce Bank: SBA Lending Record
- The Central Trust Bank: SBA Lending Record
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