The Callaway Bank
Headquartered in FULTON, MO. Analysis based on 75 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $13.1M.
Total 7(a) loans
75
Total approved
$13.1M
Average loan
$174K
States funded in
2
Charge-off rate
3.57%
FY2020–FY2023 cohort
Paid-in-full rate
26.79%
Average rate
6.91%
Average term
106 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 812111 | Barber Shops | 8 |
| 722513 | Limited-Service Restaurants | 7 |
| 722410 | Drinking Places (Alcoholic Beverages) | 4 |
| 812199 | Other Personal Care Services | 3 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 3 |
| 236220 | Commercial and Institutional Building Construction | 3 |
| 484110 | General Freight Trucking, Local | 3 |
| 811310 | Commercial and Industrial Machinery and Equipment (except Automotive a | 3 |
| 624410 | Child Day Care Services | 3 |
| 561720 | Janitorial Services | 3 |
Top 10 states
| State | Loans |
|---|---|
| MO | 70 |
| KS | 5 |
Top franchise brands financed
10 franchise loans across 6 distinct brands.
| Franchise | Loans |
|---|---|
| Smoothie King | 3 |
| Scissors & Scotch | 2 |
| All Dry | 2 |
| The Growth Coach | 1 |
| Farmers Insurance Agent Appoin | 1 |
| Goosehead Insurance | 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.