SBA lending by metro area
SBA lenders in Joplin, MO
Which lenders fund Joplin-area businesses, how much, and how the market compares with Missouri: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Joplin area
Ranked by SBA volume funded to businesses located in the Joplin metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | OakStar Bank | 125 | $70.2M | $562K | 0.80% |
| 2 | Simmons Bank | 166 | $41.2M | $248K | 10.84% |
| 3 | Rural Missouri, Inc. | 35 | $20.3M | $581K | not reported |
| 4 | Arvest Bank | 81 | $19.6M | $242K | 1.23% |
| 5 | Guaranty Bank | 61 | $19.4M | $318K | 3.28% |
| 6 | Live Oak Banking Company | 9 | $17.1M | $1.9M | not reported |
| 7 | First Financial Bank | 12 | $12.6M | $1.1M | not reported |
| 8 | People's Bank of Seneca | 32 | $12.1M | $378K | 9.38% |
| 9 | Southwest Missouri Bank | 81 | $10.3M | $127K | 4.94% |
| 10 | OMB Bank | 13 | $8.8M | $673K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Joplin compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Joplin area | $150K ▼ 23.1% | 4.4% ▼ 6.5 pts |
| Missouri | $195K | 10.9% |
| United States | $179K | 11.2% |
What gets funded in Joplin
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 105 | $48.4M |
| Manufacturing | 78 | $41.2M |
| Agriculture, Forestry, Fishing | 40 | $38.9M |
| Other Services | 89 | $33.3M |
| Retail Trade | 125 | $31.8M |
| Professional and Technical Services | 70 | $28.6M |
| Arts, Entertainment, Recreation | 29 | $23.4M |
| Construction | 78 | $19.9M |
SBA lending in Joplin by year
Geography, precisely
"Joplin area" here means the Joplin, MO-KS metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Cherokee County, KS; Jasper County, MO; Newton County, MO. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.