SBA 7(a) lenders in Jefferson, AL

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

128 institutions have SBA 7(a) loans on record in Jefferson, together $710.3M across 1,554 loans. United Community Bank is the largest, with 6% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	United Community Bank	56	$42.1M	5.9%	4.81%
2	The Huntington National Bank	72	$36.2M	5.1%	1.20%
3	Regions Bank	64	$32.8M	4.6%	6.00%
4	Valley National Bank	33	$31.8M	4.5%	0.00%
5	ServisFirst Bank	43	$30.6M	4.3%	3.82%
6	Live Oak Banking Company	23	$27.5M	3.9%	1.18%
7	PNC Bank, National Association	246	$27.2M	3.8%	6.70%
8	Wells Fargo Bank National Association	133	$27.2M	3.8%	6.28%
9	Pinnacle Bank	27	$25.3M	3.6%	0.00%
10	Newtek Bank, National Association	47	$22.2M	3.1%	0.00%
11	SouthState Bank, National Association	19	$19.2M	2.7%	0.00%
12	SouthPoint Bank	24	$19.1M	2.7%	0.00%
13	Peoples Bank	5	$17.4M	2.5%	0.00%
14	Columbia Bank	40	$16.0M	2.2%	1.13%
15	Community Bank of Mississippi	18	$14.0M	2.0%	0.00%
16	Newtek Small Business Finance, Inc.	21	$12.6M	1.8%	1.68%
17	Readycap Lending, LLC	26	$12.3M	1.7%	0.14%
18	Celtic Bank Corporation	19	$11.7M	1.7%	1.90%
19	Renasant Bank	30	$11.3M	1.6%	0.64%
20	Peoples Bank of Alabama	18	$10.6M	1.5%	4.76%
21	Millennial Bank	23	$9.9M	1.4%	0.00%
22	Bank of Hope	66	$9.8M	1.4%	13.68%
23	Byline Bank	7	$9.7M	1.4%	0.00%
24	Oakworth Capital Bank	9	$9.7M	1.4%	0.00%
25	Coastal States Bank	9	$9.7M	1.4%	2.46%
26	United Midwest Savings Bank National Association	32	$8.9M	1.3%	3.87%
27	Climate First Bank	2	$7.1M	1.0%	0.00%
28	First Horizon Bank	10	$6.8M	1.0%	0.00%
29	BizCapital BIDCO I, LLC	3	$6.6M	0.9%	0.00%
30	Ameris Bank	11	$6.5M	0.9%	5.31%
31	First Guaranty Bank	3	$6.4M	0.9%	0.00%
32	Metro City Bank	12	$6.4M	0.9%	0.00%
33	River Bank and Trust	8	$5.7M	0.8%	0.00%
34	CommerceOne Bank	3	$5.5M	0.8%	0.00%
35	BayFirst National Bank	32	$5.5M	0.8%	3.60%
36	Hanover Community Bank	1	$5.0M	0.7%	0.00%
37	Bank Five Nine	1	$5.0M	0.7%	0.00%
38	BHM Bank	15	$4.9M	0.7%	0.00%
39	First US Bank	5	$4.9M	0.7%	0.00%
40	Northeast Bank	24	$4.8M	0.7%	0.00%
41	Central State Bank	14	$4.7M	0.7%	0.00%
42	GBank	2	$4.7M	0.7%	0.00%
43	American Commerce Bank, National Association	2	$4.4M	0.6%	0.00%
44	Open Bank	3	$4.4M	0.6%	0.00%
45	FirstBank	16	$4.3M	0.6%	1.89%
46	BankUnited, National Association	3	$4.3M	0.6%	0.00%
47	Banc of California	5	$4.1M	0.6%	23.35%
48	Sabre Finance	27	$4.1M	0.6%	0.00%
49	HomeTrust Bank	2	$4.0M	0.6%	0.00%
50	Truist Bank	14	$3.8M	0.5%	0.00%
51	SmartBank	2	$3.7M	0.5%	0.00%
52	First Bank of Alabama	1	$3.6M	0.5%	0.00%
53	Guaranty Bank and Trust Company	1	$3.4M	0.5%	0.00%
54	Touchmark National Bank	2	$3.2M	0.5%	0.00%
55	Gulf Coast Bank and Trust Company	3	$3.0M	0.4%	0.00%
56	American Pride Bank	1	$2.6M	0.4%	0.00%
57	Stearns Bank National Association	8	$2.5M	0.4%	0.00%
58	First Bank of the Lake	5	$2.1M	0.3%	0.00%
59	PromiseOne Bank	2	$2.0M	0.3%	0.00%
60	Hana Small Business Lending, Inc.	1	$2.0M	0.3%	0.00%
61	VelocitySBA, LLC	52	$2.0M	0.3%	7.44%
62	Wings Credit Union	1	$2.0M	0.3%	0.00%
63	BankFirst Financial Services	14	$2.0M	0.3%	4.15%
64	FDIC - Community Bank & Trust-West Georgia	4	$1.8M	0.3%	0.00%
65	Embassy National Bank	1	$1.8M	0.3%	0.00%
66	First National Bank of Pulaski	1	$1.8M	0.3%	0.00%
67	CIBC Bank USA	3	$1.8M	0.3%	0.00%
68	First Merchants Bank	1	$1.8M	0.2%	0.00%
69	River City Bank	2	$1.7M	0.2%	0.00%
70	Beacon Bank and Trust	1	$1.6M	0.2%	0.00%
71	First Business Bank	2	$1.5M	0.2%	0.00%
72	Redstone FCU	17	$1.4M	0.2%	8.52%
73	Paragon Bank	1	$1.4M	0.2%	105.88%
74	North State Bank	1	$1.4M	0.2%	0.00%
75	Simmons Bank	4	$1.2M	0.2%	0.00%
76	Craft Bank	1	$1.2M	0.2%	0.00%
77	UniBank	1	$1.2M	0.2%	0.00%
78	Unity Bank	1	$1.1M	0.2%	0.00%
79	Trustmark Bank	6	$1.1M	0.2%	20.53%
80	Genesis Bank	2	$1.0M	0.1%	0.00%
81	IncredibleBank	1	$996K	0.1%	0.00%
82	Citizens Bank	3	$960K	0.1%	0.00%
83	Federal Deposit Insurance Corporation	6	$881K	0.1%	0.00%
84	Fund-Ex Solutions Group, LLC	1	$828K	0.1%	0.00%
85	First Bank	1	$828K	0.1%	0.00%
86	First National Bank of Pennsylvania	1	$811K	0.1%	0.00%
87	Centennial Bank	1	$800K	0.1%	0.00%
88	American Momentum Bank	1	$793K	0.1%	0.00%
89	Lendistry SBLC, LLC	4	$780K	0.1%	0.00%
90	CenTrust Bank, A Division of SmartBiz Bank National Association	4	$750K	0.1%	0.00%
91	First Financial Bank	1	$725K	0.1%	0.00%
92	Happen Bank	1	$713K	0.1%	0.00%
93	TruFund Financial Services Inc	4	$687K	0.1%	21.83%
94	Fountainhead SBF LLC	1	$626K	0.1%	0.00%
95	First Financial Bank	2	$575K	0.1%	56.78%
96	Bank of America, National Association	2	$550K	0.1%	0.00%
97	Commonwealth Business Bank	1	$544K	0.1%	0.00%
98	UMB Bank, National Association	2	$525K	0.1%	0.00%
99	The Bancorp Bank National Association	3	$512K	0.1%	0.00%
100	Fifth Third Bank	1	$500K	0.1%	0.00%
101	Grasshopper Bank National Association	1	$500K	0.1%	0.00%
102	Avadian Credit Union	1	$469K	0.1%	0.00%
103	JPMorgan Chase Bank, National Association	2	$462K	0.1%	0.00%
104	Commonwealth National Bank	6	$442K	0.1%	0.00%
105	Firstrust Savings Bank	1	$423K	0.1%	74.53%
106	Independence Bank	4	$416K	0.1%	62.82%
107	U.S. Bank, National Association	3	$400K	0.1%	0.00%
108	22nd State Bank, A Division of 22nd State Banking Company	1	$388K	0.1%	0.00%
109	NobleBank & Trust	1	$385K	0.1%	0.00%
110	Merchants & Marine Bank	2	$384K	0.1%	0.00%
111	Hanmi Bank	1	$381K	0.1%	29.93%
112	First Internet Bank of Indiana	1	$350K	0.0%	0.00%
113	The Citizens National Bank of Meridian	2	$335K	0.0%	0.00%
114	Bryant Bank	1	$320K	0.0%	0.00%
115	Commercial Bank	1	$300K	0.0%	0.00%
116	The MINT National Bank	1	$300K	0.0%	0.00%
117	The HomeTown Bank of Alabama	1	$288K	0.0%	0.00%
118	West Alabama Bank and Trust	1	$193K	0.0%	51.79%
119	Truliant FCU	1	$188K	0.0%	0.00%
120	Heritage Bank Inc	1	$150K	0.0%	0.00%
121	Magnifi Financial CU	1	$150K	0.0%	0.00%
122	Five Star Bank	1	$150K	0.0%	0.00%
123	Bankwell Bank	1	$115K	0.0%	0.00%
124	Capital One National Association	3	$110K	0.0%	20.89%
125	CBandS Bank	1	$100K	0.0%	0.00%
126	LiftFund, Inc.	1	$78K	0.0%	0.00%
127	Pinnacle Bank	1	$68K	0.0%	0.00%
128	Colony Bank	1	$60K	0.0%	0.00%

Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.

What the money went into

Rank	Industry	Loans	Approved	Share of county
1	Accommodation & food services	262	$184.2M	25.9%
2	Retail trade	154	$74.8M	10.5%
3	Health care & social assistance	148	$60.3M	8.5%
4	Other services	163	$55.7M	7.8%
5	Arts, entertainment & recreation	64	$41.8M	5.9%
6	Wholesale trade	59	$40.6M	5.7%
7	Construction	120	$39.4M	5.5%
8	Professional & technical services	159	$35.3M	5.0%
9	Administrative & waste services	87	$35.1M	4.9%
10	Transportation & warehousing	63	$25.8M	3.6%
11	Real estate & leasing	38	$22.9M	3.2%
12	Manufacturing	43	$22.6M	3.2%
13	Finance & insurance	34	$22.2M	3.1%
14	Retail trade	64	$17.4M	2.4%
15	Educational services	27	$8.4M	1.2%
16	Manufacturing	16	$8.2M	1.2%
17	Manufacturing	17	$5.7M	0.8%
18	Mining & extraction	7	$3.2M	0.5%
19	Information	17	$2.9M	0.4%
20	Agriculture, forestry & fishing	3	$2.1M	0.3%
21	Transportation & warehousing	8	$1.5M	0.2%
22	Utilities	1	$314K	0.0%

Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.

About this data

Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.