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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 March 31, 2026
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of March 31, 2026
Median
$990K
Average
$1.4M
Sweet Spot
$500K-$1M
Industries with highest loan volume
Residential Remodelers
7
loans
$1.4M
avg. amount
Residential Remodelers
Loans
7
Avg. Amount
$1.4M
All Other Specialty Trade Contractors
7
loans
$1.0M
avg. amount
All Other Specialty Trade Contractors
Loans
7
Avg. Amount
$1.0M
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
5
loans
$1.9M
avg. amount
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
Loans
5
Avg. Amount
$1.9M
Plumbing, Heating, and Air-Conditioning Contractors
5
loans
$1.6M
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
Loans
5
Avg. Amount
$1.6M
Limited-Service Restaurants
5
loans
$744K
avg. amount
Limited-Service Restaurants
Loans
5
Avg. Amount
$744K
Landscaping Services
4
loans
$1.7M
avg. amount
Landscaping Services
Loans
4
Avg. Amount
$1.7M
Computer and Computer Peripheral Equipment and Software Merchant Wholesalers
3
loans
$665K
avg. amount
Computer and Computer Peripheral Equipment and Software Merchant Wholesalers
Loans
3
Avg. Amount
$665K
Packaging and Labeling Services
3
loans
$857K
avg. amount
Packaging and Labeling Services
Loans
3
Avg. Amount
$857K
Child Care Services
3
loans
$434K
avg. amount
Child Care Services
Loans
3
Avg. Amount
$434K
Janitorial Services
3
loans
$1.3M
avg. amount
Janitorial Services
Loans
3
Avg. Amount
$1.3M
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 3.05% |
| $500K-$1M | Prime + 2.66% |
| $1M-$2M | Prime + 2.76% |
| $2M-$3M | Prime + 2.61% |
| $3M-$4M | Prime + 2.38% |
| $4M-$5M | Prime + 2.81% |
As Of March 31, 2026 - States by loan volume (darker blue = higher volume)
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