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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7(a) Acquisition Loan Data As Of June 30, 2026
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of June 30, 2026
Median
$1.0M
Average
$1.4M
Sweet Spot
$500K-$1M
Industries with highest loan volume
Residential Remodelers
6
loans
$1.2M
avg. amount
Residential Remodelers
6
loans
$1.2M
avg
All Other Specialty Trade Contractors
4
loans
$1.2M
avg. amount
All Other Specialty Trade Contractors
4
loans
$1.2M
avg
Janitorial Services
3
loans
$1.3M
avg. amount
Janitorial Services
3
loans
$1.3M
avg
Plumbing, Heating, and Air-Conditioning Contractors
3
loans
$2.0M
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
3
loans
$2.0M
avg
Limited-Service Restaurants
3
loans
$836K
avg. amount
Limited-Service Restaurants
3
loans
$836K
avg
Landscaping Services
3
loans
$1.5M
avg. amount
Landscaping Services
3
loans
$1.5M
avg
Full-Service Restaurants
2
loans
$1.7M
avg. amount
Full-Service Restaurants
2
loans
$1.7M
avg
Child Care Services
2
loans
$450K
avg. amount
Child Care Services
2
loans
$450K
avg
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
2
loans
$1.6M
avg. amount
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
2
loans
$1.6M
avg
Home Health Care Services
2
loans
$468K
avg. amount
Home Health Care Services
2
loans
$468K
avg
10-Year
0.0%
Percentile Ranking
0th percentile
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 3.06% |
| $500K-$1M | Prime + 2.69% |
| $1M-$2M | Prime + 2.76% |
| $2M-$3M | Prime + 2.52% |
| $3M-$4M | Prime + 2.38% |
| $4M-$5M | Prime + 2.83% |
As Of June 30, 2026 - States by loan volume (darker blue = higher volume)
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