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The State Bank and Trust Company, headquartered in Defiance, Ohio, provides full range of financial services for consumers and small businesses including wealth management, mortgage banking, commercial and agricultural lending.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of December 31, 2025
Median
$480K
Average
$1.0M
Sweet Spot
$0-$500K
Industries with highest loan volume
Industrial Machinery and Equipment Merchant Wholesalers
2
loans
$1.7M
avg. amount
Industrial Machinery and Equipment Merchant Wholesalers
Loans
2
Avg. Amount
$1.7M
Home Centers
2
loans
$416K
avg. amount
Home Centers
Loans
2
Avg. Amount
$416K
All Other Specialty Trade Contractors
1
loans
$3.0M
avg. amount
All Other Specialty Trade Contractors
Loans
1
Avg. Amount
$3.0M
Urethane and Other Foam Product (except Polystyrene) Manufacturing
1
loans
$306K
avg. amount
Urethane and Other Foam Product (except Polystyrene) Manufacturing
Loans
1
Avg. Amount
$306K
Floriculture Production
1
loans
$484K
avg. amount
Floriculture Production
Loans
1
Avg. Amount
$484K
Limited-Service Restaurants
1
loans
$197K
avg. amount
Limited-Service Restaurants
Loans
1
Avg. Amount
$197K
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.50% |
| $2M-$3M | Prime + 2.00% |
| $3M-$4M | Prime + 1.25% |
Spread over Prime at time of loan origination
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)