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Four States Bank, Inc. (MO)

7a General
Change of Ownership
Existing or more than 2 years old
New Business or 2 years or less
Variable Rates
SBA Loan Approvals as of Fiscal Year End 2025 20
SBA Loans Total Approval Amount as of Fiscal Year End 2025 $8,646,900
Average SBA Loan Size as of Fiscal Year End 2025 $432,345
Average SBA Loan Rate over Prime (Prime is 6.75%) 3.05
Four States Bank, Inc. (MO)

Unlock Your Financial Potential with Four States Bank, Inc. (MO)

Four States Bank, headquartered in Joplin, Missouri, is a long-standing community bank dedicated to helping small businesses succeed throughout the Four States region — Missouri, Kansas, Oklahoma, and Arkansas. With decades of experience in commercial lending and a strong focus on local economic development, Four States Bank offers flexible SBA loan programs and personalized business banking services designed to empower entrepreneurs at every stage.

Key Features of Four States Bank

  • Comprehensive Business Banking: Business checking and savings accounts, merchant services, cash management, and online banking tools that simplify business operations.
  • SBA Loan Programs: Four States Bank participates in the SBA 7(a) and 504 loan programs, offering long-term, affordable, government-backed financing for working capital, equipment purchases, real estate, and business expansions.
  • Local Decision-Making: All lending decisions are made locally by experienced bankers who understand the unique needs and opportunities of the regional business community.
  • Customized Commercial Lending: Beyond SBA options, the bank offers term loans, commercial lines of credit, and real estate financing tailored to each business’s goals.
  • Community-Driven Mission: Four States Bank is deeply committed to strengthening local economies by supporting small businesses, job creation, and community initiatives across the region.

Why Choose Four States Bank for SBA Loans?

Four States Bank combines local expertise with the financial resources and guidance business owners need to grow. Its experienced commercial lending team provides hands-on support through every step of the SBA process — ensuring timely approvals, clear communication, and flexible loan structures. Whether you’re purchasing equipment, acquiring a business, or expanding into new markets, Four States Bank delivers the capital and partnership to help you achieve your goals.

How to Get Started

Ready to grow your business with an SBA loan or other financing option? Visit the Four States Bank Business Banking page to explore available SBA programs, review eligibility, and connect with a local SBA lending expert.

Empower your financial future today with Four States Bank — where Missouri and Four States businesses come to grow.

Industry