Central Bank: SBA Lending Activity & Industry Focus
Based on historical SBA 7(a) lending data.
Total Approvals
125
by Central Bank
Total Volume
$54,225,700
approved amount
Median Loan Size
$250,000
per approval
Recent Activity
8
last 90 days through Nov 2025
Central Bank is a regional lender primarily serving Utah, Iowa, Florida lending across 36 different industries. With 125 SBA 7(a) approvals and a typical loan size of $250,000, their lending data provides a detailed picture of where and how they deploy SBA capital.
What you should know
Key insights derived from Central Bank's SBA 7(a) lending history
Regional focus: Utah, Iowa, Florida
Central Bank concentrates their SBA lending in 7 states, with 97% of activity in Utah (88%), Iowa (5%), Florida (4%). Regional lenders often have strong local relationships and may offer more competitive terms in their core markets.
Declining SBA activity
Central Bank's SBA lending has slowed recently — 19 approvals in the last 6 months vs. 27 in the prior period (-30%). This could reflect tighter credit standards, strategic shifts, or seasonal variation.
Active SBA participant
Central Bank has 125 SBA 7(a) approvals on record. While not among the highest-volume lenders, they maintain an active SBA program. Response times and processing experience may vary.
Typical loan: $250,000
Central Bank's median SBA loan is $250,000, with the middle 50% between $125,000 and $500,000. They handle a range of loan sizes without strong concentration in any single band.
Diversified: 36 industries served
Central Bank lends across 36 different industry sectors with no single industry dominating. This broad experience means they can likely evaluate most business types, though they may not have deep expertise in any specific niche.
Lending trends for Central Bank
Loan size distribution
Based on 373 SBA 7(a) approvals
Summary
Median (50th percentile)
$250,000
25th percentile
$125,000
75th percentile
$500,000
Average
$421,048
Typical range
State-by-state lending activity
| # | State | Approvals |
|---|---|---|
| 1 | Utah | 110 |
| 2 | Iowa | 6 |
| 3 | Florida | 5 |
| 4 | Texas | 1 |
| 5 | Alabama | 1 |
| 6 | Georgia | 1 |
| 7 | Mississippi | 1 |
Central Bank by industry
Industry focus
Recent SBA 7(a) approvals by Central Bank
| Month | Borrower | Location | Industry | Amount |
|---|---|---|---|---|
| 2025-12 | Ind*****LLC | SALT LAKE CITY, UT | Commercial and Institutional Building Construction | $148,200 |
| 2025-11 | Pre*****LLC | SPIRIT LAKE, IA | Electrical Contractors | $200,000 |
| 2025-11 | Hux*****LLC | COALVILLE, UT | Site Preparation Contractors | $250,000 |
| 2025-11 | A-T*****LLC | SALT LAKE CITY, UT | Other Specialized Design Services | $150,000 |
| 2025-11 | Mij*****LLC | RIVERTON, UT | Snack and Nonalcoholic Beverage Bars | $563,400 |
| 2025-11 | Tri*****LLC | SALT LAKE CITY, UT | Fitness and Recreational Sports Centers | $500,000 |
| 2025-11 | C&J*****LLC | SALEM, UT | Limited-Service Restaurants | $40,000 |
| 2025-09 | Inf*****LLC | SPRINGVILLE, UT | Electrical Contractors | $40,000 |
| 2025-09 | Kin*****LLC | MIDVALE, UT | Offices of Chiropractors | $100,000 |
| 2025-09 | Ann*****nes | SPRINGVILLE, UT | Mobile Food Services | $100,000 |
| 2025-09 | Hom*****LLC | ALPINE, UT | Vocational Rehabilitation Services | $100,000 |
| 2025-08 | AME*****NC. | PROVO, UT | Other Individual and Family Services | $75,000 |
| 2025-08 | FT****rp. | LINDON, UT | Other Building Finishing Contractors | $300,000 |
| 2025-08 | Red*****nc. | LEHI, UT | — | $310,000 |
| 2025-08 | Sta*****LLC | SPANISH FORK, UT | New Single-Family Housing Construction (except Operative Builders) | $112,000 |
| 2025-08 | CSG*****LLC | SUWANEE, GA | Limited-Service Restaurants | $1,500,000 |
| 2025-07 | The*****hip | Woodland Hills, UT | Theater Companies and Dinner Theaters | $250,000 |
| 2025-07 | Dia*****LLC | SARATOGA SPRINGS, UT | General Freight Trucking, Local | $330,000 |
| 2025-06 | Eli*****ing | LINDON, UT | Medicinal and Botanical Manufacturing | $250,000 |
| 2025-05 | ALL*****LLC | BLUFFDALE, UT | Plumbing, Heating, and Air-Conditioning Contractors | $250,000 |
| 2025-05 | Ben*****LLC | SOUTH JORDAN, UT | Site Preparation Contractors | $100,000 |
| 2025-05 | RG****bal | LINDON, UT | Medicinal and Botanical Manufacturing | $250,000 |
| 2025-04 | Ben*****LLC | SALT LAKE CITY, UT | Construction Machinery Manufacturing | $351,300 |
| 2025-04 | Anv*****LLC | PROVO, UT | Other Miscellaneous Durable Goods Merchant Wholesalers | $40,000 |
| 2025-04 | Leg*****LLC | SPRINGVILLE, UT | Exterminating and Pest Control Services | $250,000 |
| 2025-04 | Sea*****nc. | MANSFIELD, GA | Limited-Service Restaurants | $1,358,000 |
| 2025-03 | Fra*****nc. | AMERICAN FORK, UT | Engineering Services | $500,000 |
| 2025-03 | But*****LLC | MAPLETON, UT | All Other Amusement and Recreation Industries | $600,000 |
| 2025-03 | Lev*****.C. | SANDY, UT | All Other Specialty Trade Contractors | $300,000 |
| 2025-03 | ADA*****LLC | SPRINGVILLE, UT | — | $138,500 |
| 2025-03 | Mij*****LLC | BLUFFDALE, UT | Snack and Nonalcoholic Beverage Bars | $596,300 |
| 2025-03 | Del*****nc. | PAYSON, UT | Iron and Steel Mills and Ferroalloy Manufacturing | $100,000 |
| 2025-02 | Mon*****LLC | LOGAN, UT | Footwear Manufacturing | $500,000 |
| 2025-02 | Mt *****LLC | LOGAN, UT | Snack and Nonalcoholic Beverage Bars | $595,800 |
| 2025-02 | RG****bal | LINDON, UT | Medicinal and Botanical Manufacturing | $1,000,000 |
| 2025-02 | THE*****LLC | OREM, UT | Sports and Recreation Instruction | $150,000 |
| 2025-02 | WES*****NC. | Palmer, IA | Petroleum and Petroleum Products Merchant Wholesalers (except Bulk Sta | $5,000,000 |
| 2025-02 | Sol*****.C. | OREM, UT | — | $40,000 |
| 2025-02 | Wal*****LLC | LEHI, UT | New Single-Family Housing Construction (except Operative Builders) | $467,200 |
| 2025-01 | Plu*****LLC | JACKSONVILLE, FL | Sports and Recreation Instruction | $407,000 |
| 2025-01 | Sup*****LLC | SPRINGVILLE, UT | Electrical Contractors | $500,000 |
| 2025-01 | Har*****LLC | SPRINGVILLE, UT | Educational Support Services | $500,000 |
| 2025-01 | R&***LLC | PAYSON, UT | Fitness and Recreational Sports Centers | $504,200 |
| 2025-01 | GRA*****LLC | PLEASANT GROVE, UT | Cookie and Cracker Manufacturing | $2,000,000 |
| 2025-01 | BRD*****ons | VINEYARD, UT | Exterminating and Pest Control Services | $500,000 |
| 2024-12 | Hal****nc. | PROVO, UT | Other Computer Related Services | $102,100 |
| 2024-11 | FP***nc. | Humboldt, IA | — | $1,500,000 |
| 2024-11 | Sid*****LLC | DRAPER, UT | Other Personal Care Services | $647,800 |
| 2024-11 | Wes*****.C. | SANTAQUIN, UT | Full-Service Restaurants | $500,000 |
| 2024-11 | Dun*****LLC | SOUTH SALT LAKE, UT | — | $953,300 |
Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.
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