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SBA 504 record
Southern Bank and Trust Company: SBA 504 first liens made
Southern Bank and Trust Company, a bank based in Mount Olive, NC, made 15 SBA 504 first liens in the 36 months ending September 30, 2026, $7.9M in all, net of cancelled approvals. The typical first lien was about $400K, and 14 were in the last 12 months. Most were in Virginia.
- Evidence
- SBA 504 loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 11, 2026
- First liens, 36 months
- 15
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $7.91M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $400K
- SBA FOIA,
- Largest loan
- $1.3M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 14
- SBA FOIA,
Cite this
Source: The Lender Report, Southern Bank and Trust Company: SBA 504 first liens made, https://lender.report/lender/southern-bank-and-trust-nc/sba-504/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Mar 2026 | Virginia | SBA 504, Professional, Scientific, and Technical Services | $1.1M | 25 yr | SBA FOIA | ||
| Mar 2026 | North Carolina | SBA 504, Full-Service Restaurants | $620K | 25 yr | SBA FOIA | ||
| Jan 2026 | Virginia | SBA 504, Electrical Contractors and Other Wiring Installation Contractors | $370K | 25 yr | SBA FOIA | ||
| Sep 2025 | North Carolina | SBA 504, Full-Service Restaurants | $960K | 25 yr | SBA FOIA | ||
| Aug 2025 | Virginia | SBA 504, Fitness and Recreational Sports Centers | $400K | 25 yr | SBA FOIA | ||
| Jul 2025 | Virginia | SBA 504, Plumbing, Heating, and Air-Conditioning Contractors | $290K | 25 yr | SBA FOIA | ||
| Feb 2025 | Virginia | SBA 504, Retail Trade | $800K | 25 yr | SBA FOIA | ||
| Feb 2025 | Virginia | SBA 504, Full-Service Restaurants | $540K | 25 yr | SBA FOIA | ||
| Oct 2024 | Virginia | SBA 504, Transportation and Warehousing | $1.3M | 25 yr | SBA FOIA | ||
| Jul 2024 | Virginia | SBA 504, All Other Specialty Trade Contractors | $160K | 25 yr | SBA FOIA | ||
| Jul 2024 | Virginia | SBA 504, All Other Personal Services | $93K | 10 yr | SBA FOIA | ||
| Mar 2024 | Virginia | SBA 504, Other Services (except Public Administration) | $160K | 10 yr | SBA FOIA | ||
| Mar 2024 | Virginia | SBA 504, Offices of All Other Miscellaneous Health Practitioners | $84K | 10 yr | SBA FOIA | ||
| Dec 2023 | Virginia | SBA 504, Manufacturing | $130K | 10 yr | SBA FOIA | ||
| Nov 2023 | Virginia | SBA 504, Offices of Mental Health Practitioners (except Physicians) | $900K | 25 yr | SBA FOIA | ||
| 15 SBA 504 first liens since October 2023, net of cancelled | $7.91M | SBA FOIA | |||||
A blank means the source did not report it.
| State | First liens | Dollars |
|---|---|---|
| Virginia | 13 | $6.33M |
| North Carolina | 2 | $1.58M |
SBA loans are on record by state only.
| Loan size | First liens | Dollars |
|---|---|---|
| Under $150K | 3 | $307K |
| $150K to $350K | 3 | $610K |
| $350K to $1M | 7 | $4.59M |
| $1M to $2.5M | 2 | $2.40M |
| $2.5M or more | 0 | $0 |
| Quarter | First liens | Dollars |
|---|---|---|
| 2023 Q4 | 2 | $1.03M |
| 2024 Q1 | 2 | $244K |
| 2024 Q3 | 2 | $253K |
| 2024 Q4 | 1 | $1.30M |
| 2025 Q1 | 2 | $1.34M |
| 2025 Q3 | 3 | $1.65M |
| 2026 Q1 | 3 | $2.09M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | First liens |
|---|---|
| Full-Service Restaurants (722511) | 3 |
| All Other Personal Services (812990) | 1 |
| All Other Specialty Trade Contractors (238990) | 1 |
| Electrical Contractors and Other Wiring Installation Contractors (238210) | 1 |
| Fitness and Recreational Sports Centers (713940) | 1 |
| Manufacturing | 1 |
| Offices of All Other Miscellaneous Health Practitioners (621399) | 1 |
| Offices of Mental Health Practitioners (except Physicians) (621330) | 1 |
| Other Services (except Public Administration) | 1 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 1 |
| Professional, Scientific, and Technical Services | 1 |
| Retail Trade | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Accredited Lenders Program | 11 |
| 504 Refinancing Program | 3 |
| ALP Express | 1 |
| Certified Development Company | Projects |
|---|---|
| 504 Capital Corporation | 14 |
| Business Expansion Funding Corporation | 1 |
- Southern Bank and Trust Company made 15 SBA 504 first liens totaling $7.9M in the 36 months ending September 30, 2026, net of cancelled approvals, in 2 states. SBA FOIA,
- The SBA file shows 14 approvals naming Southern Bank and Trust Company as first-lien lender dated in the 12 months to September 30, 2026, and 9 in the 12 months before. Both counts leave out cancelled approvals and include approvals not yet funded, so the two periods are measured the same way. SBA FOIA,
- The typical first lien was about $400K, with the middle half between $160K and $900K. SBA FOIA,
- The largest was about $1.3M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 3 loans were under $150K, and 2 were $1M or more. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Its loans went most often to Full-Service Restaurants, with 3. SBA FOIA,
- The SBA file lists 11 of its loans as processed under Accredited Lenders Program. SBA FOIA,
- It worked with 2 Certified Development Companies, most often 504 Capital Corporation. SBA FOIA,
- Its loans were most often in Virginia (13) and North Carolina (2). SBA FOIA,
What we don't know
- Whether Southern Bank and Trust Company is taking new SBA 504 loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
SBA 504 figures count the first-lien lender on each SBA approval. Dollars are first-lien amounts.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.