The Central Trust Bank
Headquartered in JEFFERSON CITY, MO. Analysis based on 291 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $74.5M.
Total 7(a) loans
291
Total approved
$74.5M
Average loan
$256K
States funded in
5
Charge-off rate
4.78%
FY2020–FY2023 cohort
Paid-in-full rate
24.88%
Average rate
7.79%
Average term
114 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 24 |
| 722511 | Full-Service Restaurants | 13 |
| 624410 | Child Day Care Services | 11 |
| 713940 | Fitness and Recreational Sports Centers | 11 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 |
| 561730 | Landscaping Services | 6 |
| 812112 | Beauty Salons | 6 |
| 488410 | Motor Vehicle Towing | 6 |
| 238990 | All Other Specialty Trade Contractors | 6 |
| 812990 | All Other Personal Services | 6 |
Top 10 states
| State | Loans |
|---|---|
| MO | 268 |
| KS | 16 |
| CO | 4 |
| KY | 2 |
| NC | 1 |
Top franchise brands financed
19 franchise loans across 14 distinct brands.
| Franchise | Loans |
|---|---|
| Cold Stone Creamery | 2 |
| Jersey Mike's | 2 |
| Goosehead Insurance | 2 |
| Anytime Fitness | 2 |
| Pure Barre | 2 |
| The UPS Store (f/k/a Mail Box | 1 |
| Teriyaki Madness | 1 |
| Gyu-Kaku | 1 |
| Zaxby's | 1 |
| Great American Cookies | 1 |
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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.