# Four States Bank SBA loans

**Short answer:** Four States Bank made 46 SBA loans from October 2023 to June 2026. 95.7% of them went to businesses in Missouri, per SBA's loan file.

Canonical page: https://www.sbaexpress.loans/sba-express-lenders/four-states-bank/
Data as of: 2026-06-30

This site is not Four States Bank

sbaexpress.loans is not Four States Bank, and Four States Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. The loan figures here come from SBA's public 7(a) loan file, not from Four States Bank.

A small base

Four States Bank has 46 loans in the period shown. Medians and shares on so few loans can swing on a few loans, so use them as a rough guide.

## Loan sizes

$126,325: 25th percentile

$258,900: Median loan

$646,625: 75th percentile

10 years: Median term

The median loan Four States Bank approved from October 2023 to June 2026 was $258,900. A quarter of its loans were smaller than $126,325 and a quarter were larger than $646,625. For all lenders the median was $150,300. Its median loan is larger than the all-lender median. The average loan was $451,139.

Share of loans by size, October 2023 to June 2026

- $50,000 or less: Fewer than 5
- $50,001 to $150,000: 34.8%
- $150,001 to $350,000: 28.3%
- $350,001 to $500,000: Fewer than 5
- $500,001 to $1,000,000: 13.0%
- $1,000,001 to $2,000,000: 17.4%
- Over $2,000,000: 0.0%

Shares are of all 46 loans. Fewer than 5 marks a band whose count we do not publish.

## Age of the businesses it lends to

The largest group was businesses in operation more than 2 years, at 41.3% of this lender's loans, against 57.5% for all lenders.

Share of loans by age of the business, October 2023 to June 2026

- In business more than 2 years: 41.3%
- In business 2 years or less: 17.4%
- Startup (the loan opens the business): 19.6%
- Change of ownership: 19.6%

Fewer than 5 marks a group whose count we do not publish.

## SBA Express and lines of credit

15.2% of this lender's loans went through SBA Express, below the 35.8% for all lenders. 17.4% were lines of credit, below the 28.1% for all lenders.

**SBA Express and line-of-credit share, October 2023 to June 2026**

| Share of loans | Four States Bank | All lenders |
| --- | --- | --- |
| Through SBA Express | 15.2% | 35.8% |
| Lines of credit | 17.4% | 28.1% |

A line of credit lets a business draw money, repay it and draw again. SBA's file flags these loans as revolving.

What SBA Express means

An SBA Express loan can be up to $500,000. On these loans, the lender makes the credit decision without prior SBA review.

Source: SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126); SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127).

## Where it lends

The most loans went to businesses in Missouri: 44 of 46, or 95.7%. State is where the business is, not where the lender is based.

**Top states, October 2023 to June 2026**

| State | Loans | Share of its loans |
| --- | --- | --- |
| Missouri | 44 | 95.7% |

## What it lends to

Full-Service Restaurants had the most loans: 6 of 46. The table lists industries with 5 or more loans, at most five.

**Top industries, October 2023 to June 2026**

| Industry | Loans | Share of its loans |
| --- | --- | --- |
| [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 6 | 13.0% |

Industry is the NAICS code recorded on each loan.

## About the lender

- **Type:** Bank
- **Location:** Carthage, MO (address printed on its SBA loans, which can be a loan center rather than headquarters)
- **Legal name on SBA's file:** Four States Bank, Inc.
- **Official website:** not on file. Non-bank lenders are not in the FDIC or NCUA directories.

This page describes loans SBA approved. It does not show denied applications, today's rates, fees or credit standards. It is not an offer from Four States Bank. To ask Four States Bank about a loan, contact it directly.

## Starting rates and spread over Prime

The median starting rate on this lender's loans approved from October 2023 to June 2026 was 10.00%. The median spread was 3 percentage points over Prime. For all lenders the medians were 10.25% and 2.75 percentage points over Prime.

Its median starting rate was lower than the all-lender median, and its median spread was higher than the all-lender median.

The starting rate follows Prime on the day a loan was approved. The spread over Prime is the steadier way to compare lenders and years. Spread is measured on variable-rate loans only.

SBA's ceiling on variable rates

For variable-rate loans, SBA caps the rate at Prime plus 3.0 to 6.5 percentage points, depending on loan size. Today's ceilings by loan size are on the [rates page](https://www.sbaexpress.loans/rates/).

Source: 13 CFR § 120.214(d).

## Loans by year

SBA loans approved by fiscal year

- FY2020: 0
- FY2021: 0
- FY2022: 0
- FY2023: 0
- FY2024: 0
- FY2025: 19
- FY2026 (through June 30): 27

SBA's fiscal year runs October 1 to September 30. FY2026 covers October 1, 2025 to June 30, 2026 only. Fewer than 5 marks a year whose count we do not publish.

## Charge-offs

Four States Bank made no loans from October 2019 to September 2022, the period the charge-off rate covers. There is no rate to show.

How charge-offs are counted

We count only loans approved October 1, 2019 to September 30, 2022 (FY2020 to FY2022). Newer loans have not had time to go bad. A charge-off means the lender wrote the loan off as a loss. The rate by loans is charged-off loans divided by approved loans. The rate by dollars is the charged-off balance divided by approved dollars. Both run through June 30, 2026.

The two rates can differ widely for a lender that writes many small loans. A small loan adds one to the count but little to the dollars.

SBA's file covers approved loans only. This says nothing about how often applications are approved.

## Lenders with a similar number of loans

These five lenders are the nearest to Four States Bank by number of SBA loans. Their pages show the same figures, so you can compare loan sizes and loan types. It ranks 318th of 807 lenders by loans approved from October 2023 to June 2026.

**Lenders closest to Four States Bank by loans, October 2023 to June 2026**

| Lender | Loans | Median loan | Express | Lines of credit | Charge-offs |
| --- | --- | --- | --- | --- | --- |
| [Arizona Capital Source](https://www.sbaexpress.loans/sba-express-lenders/arizona-capital-source/) | 46 | $250,750 | 0.0% | 0.0% | Fewer than 5 |
| [CommunityAmerica](https://www.sbaexpress.loans/sba-express-lenders/communityamerica/) | 46 | $500,000 | 45.7% | 47.8% | Fewer than 5 |
| **Four States Bank** | 46 | $258,900 | 15.2% | 17.4% | n/a |
| [IncredibleBank](https://www.sbaexpress.loans/sba-express-lenders/incrediblebank/) | 46 | $606,000 | Fewer than 5 | Fewer than 5 | 3.2% |
| [Potomac Bank](https://www.sbaexpress.loans/sba-express-lenders/potomac-bank/) | 46 | $216,250 | 17.4% | 13.0% | 0.0% |
| [Shinhan Bank America](https://www.sbaexpress.loans/sba-express-lenders/shinhan-bank-america/) | 46 | $537,500 | 0.0% | 0.0% | 0.0% |

Express and lines of credit are shares of loans. Charge-offs are the share of loans approved October 2019 to September 2022 that had been charged off by June 30, 2026. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish.

How to read this

Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Recent loans were approved October 1, 2023 to June 30, 2026. The full file starts October 1, 2019. SBA's fiscal year runs October 1 to September 30. Express counts SBA Express and Export Express loans. Spread over Prime is measured on variable-rate loans. This lender has 46 loans in the period shown, so its medians and shares can swing on a few loans. [How we build these pages](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [13 CFR § 120.214(d)](https://www.ecfr.gov/current/title-13/section-120.214)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)