Simmons Bank
Headquartered in PINE BLUFF, AR. Analysis based on 305 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $163.7M.
Total 7(a) loans
305
Total approved
$163.7M
Average loan
$537K
States funded in
30
Charge-off rate
1.85%
FY2020–FY2023 cohort
Paid-in-full rate
27.04%
Average rate
7.10%
Average term
143 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 812199 | Other Personal Care Services | 38 |
| 713940 | Fitness and Recreational Sports Centers | 27 |
| 621310 | Offices of Chiropractors | 22 |
| 722511 | Full-Service Restaurants | 18 |
| 812112 | Beauty Salons | 16 |
| 722513 | Limited-Service Restaurants | 10 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 |
| 722410 | Drinking Places (Alcoholic Beverages) | 5 |
| 561730 | Landscaping Services | 4 |
| 624410 | Child Day Care Services | 4 |
Top 10 states
| State | Loans |
|---|---|
| TX | 93 |
| MO | 50 |
| AR | 31 |
| TN | 21 |
| OK | 18 |
| CA | 12 |
| FL | 11 |
| KS | 10 |
| NJ | 8 |
| GA | 7 |
Top franchise brands financed
137 franchise loans across 52 distinct brands.
| Franchise | Loans |
|---|---|
| European Wax Center | 28 |
| The Joint...The Chiropractic P | 19 |
| Club Pilates | 11 |
| SportClips | 6 |
| Amazing Lash Studio | 4 |
| Restore Hyper Wellness | 4 |
| YogaSix | 4 |
| Kiddie Academy | 3 |
| Crumbl | 3 |
| The Toasted Yolk Cafe | 3 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.