The Central Trust Bank: SBA Lending Record
What SBA's own loan files show about The Central Trust Bank as an SBA lender, and how a lender's record bears on a feasibility study.
The FY2017 to FY2026 record for The Central Trust Bank runs to 390 approved loans and $105.5 million gross. The $105.5 million for The Central Trust Bank counts approved dollars, not balances. 390 loans sit under SBA 7(a), every The Central Trust Bank loan here. The Central Trust Bank reads 0 under SBA 504. 390 loans are records SBA keeps on The Central Trust Bank. SBA, not The Central Trust Bank, carries each guarantee. Each of the 390 loans is assigned to The Central Trust Bank now, or last held by it. The Central Trust Bank is an SBA 7(a) record of 390 loans, in program terms. Here, The Central Trust Bank means the holder SBA names. The Central Trust Bank's 390 loans span FY2017 to FY2026 approvals.
The Central Trust Bank: where the loans sit
For The Central Trust Bank, these classes lead: limited-service restaurant with 33 loans; full-service restaurant with 21 loans; fitness center with 17 loans. Another 266 loans credited to The Central Trust Bank fall outside all of those classes. The Central Trust Bank's 390 loans: a slice sits in named classes. The Central Trust Bank lists 33 loans in limited-service restaurant. The Central Trust Bank loans lead, by state, in Missouri with 344 loans; Kansas with 33 loans; Colorado with 7 loans. The Central Trust Bank's sample for Missouri sites is 344 loans. The Central Trust Bank's counts are a map only.
The Central Trust Bank: cancelled and charged-off loans
8.1% of The Central Trust Bank approvals, FY2017 to FY2024, were cancelled. For The Central Trust Bank, 8.1% is a floor. The Central Trust Bank's floor stops at FY2024 approvals. The Central Trust Bank shows no ceiling. The Central Trust Bank falls under Loan Analytics' own rule. For The Central Trust Bank, under 30 loans means no rate. The Central Trust Bank: the cohort runs FY2017 to FY2021. The Central Trust Bank's cohort holds 166 disbursed loans. 7.2% of The Central Trust Bank loans are charged off to date. For The Central Trust Bank, 7.2% is a floor. The Central Trust Bank: the two rates cover different loans. The Central Trust Bank: 3.6% charged off within 5 years.
The Central Trust Bank: what a study must test
The Central Trust Bank's $105.5 million and 390 loans are on record. At The Central Trust Bank, demand comes first: who pays? For The Central Trust Bank, cost is second; 390 loans do not replace a quote. For The Central Trust Bank, third is debt service coverage. The Central Trust Bank: 7.2% and 8.1% are floors. At The Central Trust Bank, the appraisal comes last: 390 loans cannot set your value. The Central Trust Bank's record cannot settle cost. Here The Central Trust Bank is a holder, not a verdict. The Central Trust Bank's 390 loans state nothing about its requirements. Ask The Central Trust Bank directly. Test first, then compare with The Central Trust Bank's 390 loans. Ask The Central Trust Bank what a complete study contains.
SBA loans held by The Central Trust Bank
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 | 390 |
|---|---|
| Gross dollars approved | $105.5 million |
| SBA 7(a) loans | 390 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 8.1% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 7.2% |
| Charged off within five years of approval | 3.6% |
| Loans in that cohort | 166 |
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 | 266 |
| Limited-service restaurant | 33 |
| Full-service restaurant | 21 |
| Fitness center | 17 |
| Child care center | 12 |
| Coffee shop and snack bar | 10 |
| Beauty salon | 7 |
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-12633.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study company
- 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 Bank of Missouri: SBA Lending Record
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by The Central Trust Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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