SBA lender profile
First State Bank and Trust
First State Bank and Trust appears in the public SBA loan data with 57 funded 7(a) loans since FY2010, totaling $13.1M, an average of $229K per loan, and an estimated 731 jobs supported. Its SBA lending concentrates in Kansas and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 81
- Scale 27
- Activity 36
- Consistency 73
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is First State Bank and Trust the right lender for you?
Lenders fund what they know. First State Bank and Trust's SBA lending concentrates in Kansas (31 loans) and Accommodation and Food Services (9 loans), at an average loan of $229K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $471M
- Headquarters
- Bayport, MN
- FDIC cert
- #10159
- Status
- Active
Where First State Bank and Trust lends
Top states by funded SBA volume.
Metro areas where First State Bank and Trust funds
What First State Bank and Trust funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 9 | $2.5M |
| Other Services | 11 | $2.2M |
| Manufacturing | 7 | $2.1M |
| Construction | 5 | $1.5M |
| Arts, Entertainment, Recreation | 3 | $1.2M |
| Finance and Insurance | 3 | $720K |
First State Bank and Trust SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 3 | $2.0M |
| 2012 | 1 | $35K |
| 2013 | 2 | $205K |
| 2015 | 5 | $819K |
| 2016 | 3 | $379K |
| 2017 | 2 | $357K |
| 2018 | 5 | $1.3M |
| 2019 | 9 | $3.4M |
| 2020 | 1 | $52K |
| 2021 | 2 | $275K |
| 2022 | 4 | $799K |
| 2023 | 5 | $953K |
| 2024 | 7 | $1.2M |
| 2025 | 5 | $391K |
| 2026 | 3 | $865K |
Related SBA lenders
Other lenders active in Kansas or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
First State Bank and Trust: frequently asked questions
Does First State Bank and Trust offer SBA loans?
Yes. First State Bank and Trust appears in the public SBA data with 57 funded SBA 7(a) loans totaling $13.1M.
How many SBA loans has First State Bank and Trust made?
First State Bank and Trust is associated with 57 SBA 7(a) loans totaling $13.1M in the public SBA data (as of 2026-03-31).
What is First State Bank and Trust's SBA charge-off rate?
About 0.0% of First State Bank and Trust's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does First State Bank and Trust do most of its SBA lending?
First State Bank and Trust's SBA lending in the data is most concentrated in Kansas, and by industry in Accommodation and Food Services.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). First State Bank and Trust SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/first-state-bank-and-trust/
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