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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.
Provider names, logos, and trademarks displayed on this page belong to their respective owners and are used for identification purposes only. VerSquare is not affiliated with, endorsed by, or sponsored by 22nd State Bank unless otherwise indicated.
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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
$1000K
Average
$1.4M
Sweet Spot
$500K-$1M
Industries with highest loan volume
Residential Remodelers
6
loans
$1.5M
avg. amount
Residential Remodelers
6
loans
$1.5M
avg
Limited-Service Restaurants
4
loans
$801K
avg. amount
Limited-Service Restaurants
4
loans
$801K
avg
All Other Specialty Trade Contractors
4
loans
$1.2M
avg. amount
All Other Specialty Trade Contractors
4
loans
$1.2M
avg
Landscaping Services
3
loans
$1.5M
avg. amount
Landscaping Services
3
loans
$1.5M
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
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
Interior Design Services
2
loans
$384K
avg. amount
Interior Design Services
2
loans
$384K
avg
Child Care Services
2
loans
$450K
avg. amount
Child Care Services
2
loans
$450K
avg
Home Health Care Services
2
loans
$468K
avg. amount
Home Health Care Services
2
loans
$468K
avg
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 3.03% |
| $500K-$1M | Prime + 2.66% |
| $1M-$2M | Prime + 2.76% |
| $2M-$3M | Prime + 2.54% |
| $3M-$4M | Prime + 2.38% |
| $4M-$5M | Prime + 2.83% |
As Of March 31, 2026 - States by loan volume (darker blue = higher volume)
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