Lincoln Savings Bank
Headquartered in Reinbeck, IA. Analysis based on 214 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $132.0M.
Total 7(a) loans
214
Total approved
$132.0M
Average loan
$617K
States funded in
24
Charge-off rate
4.19%
FY2020–FY2023 cohort
Paid-in-full rate
20.42%
Average rate
7.69%
Average term
138 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 18 |
| 722513 | Limited-Service Restaurants | 11 |
| 621310 | Offices of Chiropractors | 10 |
| 713940 | Fitness and Recreational Sports Centers | 9 |
| 561730 | Landscaping Services | 7 |
| 236118 | Residential Remodelers | 6 |
| 713990 | All Other Amusement and Recreation Industries | 6 |
| 812910 | Pet Care (except Veterinary) Services | 5 |
| 812199 | Other Personal Care Services | 4 |
| 238990 | All Other Specialty Trade Contractors | 3 |
Top 10 states
| State | Loans |
|---|---|
| IA | 143 |
| TX | 18 |
| KS | 7 |
| MN | 5 |
| IL | 5 |
| GA | 4 |
| MO | 4 |
| CA | 3 |
| AZ | 2 |
| IN | 2 |
Top franchise brands financed
45 franchise loans across 26 distinct brands.
| Franchise | Loans |
|---|---|
| Escapology | 6 |
| Perspire Sauna Studio | 4 |
| Mood Media - License Agreement | 3 |
| Anytime Fitness | 3 |
| Crave Hot Dogs and BBQ | 3 |
| Pinspiration | 3 |
| Hounds Town USA | 2 |
| DAE GEE | 2 |
| F45 Training | 2 |
| Cell Phone Repair | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.