NSB Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by NSB Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 561730 | Landscaping Services | 24 | $3.0M | $125K | 20.0% |
| 238990 | All Other Specialty Trade Contractors | 16 | $2.0M | $128K | 13.3% |
| 441110 | New Car Dealers | 8 | $35.2M | $4.4M | 6.7% |
| 722513 | Limited-Service Restaurants | 8 | $1.6M | $201K | 6.7% |
| 238210 | Electrical Contractors | 8 | $8.4M | $1.0M | 6.7% |
| 524210 | Insurance Agencies and Brokerages | 8 | $2.4M | $300K | 6.7% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 | $2.7M | $340K | 6.7% |
| 811192 | Car Washes | 8 | $12.8M | $1.6M | 6.7% |
| 541211 | Offices of Certified Public Accountants | 8 | $1.8M | $230K | 6.7% |
| 442299 | All Other Home Furnishings Stores | 8 | $1.6M | $195K | 6.7% |
Geographic Distribution
SBA lending activity for NSB Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Iowa (IA) | 120 | $75.1M | 100.0% |
Why Choose NSB Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 120 SBA loans approved, totaling $75.1M in financing
- ✓Industry Expertise: Specialized focus on Landscaping Services, All Other Specialty Trade Contractors, New Car Dealers
- ✓Competitive Terms: Average interest rate of 4.73% with flexible term lengths averaging 128 months
- ✓Loan Range: Loan sizes from $40K to $4.4M, with an average of $626K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in IA
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about NSB Bank SBA lending
What types of businesses does NSB Bank typically finance?
NSB Bank specializes in SBA 7(a) lending to specific industries including landscaping services, all other specialty trade contractors, new car dealers, limited-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are NSB Bank's typical SBA loan terms?
NSB Bank's SBA 7(a) loans typically feature an average interest rate of 4.73% and average term length of 128 months (approximately 11 years). Loan sizes range from $40K to $4.4M, with an average loan size of $626K.
Do I need a business valuation for a NSB Bank SBA loan?
Yes, NSB Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does NSB Bank compare to other SBA lenders?
NSB Bank has originated 120 SBA loans totaling $75.1M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does NSB Bank lend in?
NSB Bank provides SBA 7(a) financing with particularly strong presence in IA. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.