Southern Bank
Headquartered in POPLAR BLUFF, MO. Analysis based on 151 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $78.6M.
Total 7(a) loans
151
Total approved
$78.6M
Average loan
$520K
States funded in
15
Charge-off rate
0.89%
FY2020–FY2023 cohort
Paid-in-full rate
26.79%
Average rate
7.76%
Average term
159 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 9 |
| 722513 | Limited-Service Restaurants | 8 |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 5 |
| 713940 | Fitness and Recreational Sports Centers | 5 |
| 812199 | Other Personal Care Services | 4 |
| 811111 | General Automotive Repair | 4 |
| 624410 | Child Day Care Services | 4 |
| 561730 | Landscaping Services | 4 |
| 312120 | Breweries | 3 |
| 812910 | Pet Care (except Veterinary) Services | 3 |
Top 10 states
| State | Loans |
|---|---|
| MO | 92 |
| KS | 18 |
| AR | 12 |
| TX | 7 |
| FL | 6 |
| CA | 4 |
| IL | 4 |
| VA | 1 |
| IN | 1 |
| CO | 1 |
Top franchise brands financed
32 franchise loans across 22 distinct brands.
| Franchise | Loans |
|---|---|
| K-9 Resorts Daycare & Luxury H | 3 |
| Jimmy John's | 2 |
| Maaco | 2 |
| Oxi Fresh Carpet Cleaning | 2 |
| GLO TANNING | 2 |
| Monster Tree Service | 2 |
| Tropical Smoothie Cafe | 2 |
| Kanga's Indoor Playcenters | 2 |
| Shepherd Oil Company LLC (Phil | 2 |
| THE PASTA HOUSE CO. | 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.