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22nd State Bank is a community-focused financial institution serving Lower Alabama for over a century. The bank provides personalized banking solutions including consumer banking, business banking, and wealth management services. Originally founded as Farmers Exchange Bank in 1917, the institution was rebranded to 22nd State Bank in 2018 and operates with 7 branches throughout Alabama.
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SBA 7(a) Acquisition Loan Data As Of June 30, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of June 30, 2025
Median
$369K
Average
$1.4M
All rates shown as spread over Prime Rate
This Lender
Market Average
As Of June 30, 2025 - 10-year default rate indicates underwriting quality
10-Year Default Rate
0.0%
Bottom 10% of Lenders (Highest Default Rate)
Performance Ranking
100th
Lower is better among all lenders
As Of June 30, 2025 - States by loan volume (darker blue = higher volume)
