SBA 7(a) lenders in Escambia, FL

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-09-30.

Lenders

102 institutions have SBA 7(a) loans on record in Escambia, together $364.5M across 588 loans. Live Oak Banking Company is the largest, with 13% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	39	$47.3M	13.0%	0.00%
2	Pinnacle Bank	44	$40.0M	11.0%	1.31%
3	Hancock Whitney Bank	50	$18.4M	5.1%	0.00%
4	Renasant Bank	22	$16.9M	4.6%	0.00%
5	ServisFirst Bank	13	$11.7M	3.2%	2.51%
6	Truist Bank	16	$11.1M	3.0%	6.34%
7	The Huntington National Bank	21	$11.1M	3.0%	0.00%
8	PNC Bank, National Association	68	$10.9M	3.0%	1.16%
9	Ameris Bank	6	$10.5M	2.9%	1.79%
10	Stone Bank	3	$10.0M	2.8%	5.97%
11	Regions Bank	14	$9.6M	2.6%	0.00%
12	Citizens Bank	5	$8.9M	2.4%	3.88%
13	Wells Fargo Bank National Association	42	$8.8M	2.4%	9.20%
14	Newtek Bank, National Association	13	$8.6M	2.4%	0.00%
15	United Community Bank	7	$6.8M	1.9%	0.00%
16	Shoreham Bank	2	$6.7M	1.8%	0.00%
17	United Midwest Savings Bank National Association	11	$6.3M	1.7%	4.05%
18	US Metro Bank	1	$5.0M	1.4%	0.00%
19	SouthState Bank, National Association	6	$4.9M	1.3%	0.00%
20	Georgia Banking Company	1	$4.8M	1.3%	0.00%
21	Climate First Bank	1	$4.6M	1.3%	0.00%
22	Beacon Bank and Trust	3	$4.2M	1.1%	0.00%
23	Oxford Bank	2	$4.0M	1.1%	0.00%
24	Northeast Bank	18	$3.7M	1.0%	0.63%
25	Open Bank	2	$3.7M	1.0%	0.00%
26	Newtek Small Business Finance, LLC	12	$3.6M	1.0%	0.00%
27	Readycap Lending, LLC	12	$3.6M	1.0%	0.00%
28	Happen Bank	2	$3.4M	0.9%	0.00%
29	Paradise Bank	1	$3.4M	0.9%	0.00%
30	CRF Small Business Loan Company, LLC	1	$3.3M	0.9%	0.00%
31	Commonwealth Business Bank	1	$3.2M	0.9%	0.00%
32	Busey Bank	1	$3.1M	0.9%	0.00%
33	Simmons Bank	5	$2.6M	0.7%	0.00%
34	T Bank, National Association	1	$2.5M	0.7%	0.00%
35	Columbia Bank	5	$2.5M	0.7%	0.00%
36	First-Citizens Bank & Trust Company	7	$2.4M	0.7%	8.96%
37	Centennial Bank	2	$2.1M	0.6%	0.00%
38	BayFirst National Bank	12	$2.1M	0.6%	15.17%
39	Pathward National Association	2	$2.0M	0.5%	0.00%
40	Genesis Bank	1	$2.0M	0.5%	77.55%
41	The Bancorp Bank National Association	3	$1.9M	0.5%	0.00%
42	Thread Bank	1	$1.9M	0.5%	0.00%
43	Bank of Hope	2	$1.9M	0.5%	0.00%
44	Banc of California	2	$1.9M	0.5%	9.81%
45	Community Bank of Mississippi	7	$1.8M	0.5%	0.00%
46	Stearns Bank National Association	7	$1.7M	0.5%	3.76%
47	Byline Bank	2	$1.7M	0.5%	0.00%
48	BankUnited, National Association	3	$1.7M	0.5%	0.00%
49	Centerstone SBA Lending, Inc.	2	$1.6M	0.4%	0.00%
50	TD Bank, National Association	1	$1.5M	0.4%	0.00%
51	Integro Bank	1	$1.4M	0.4%	0.00%
52	Celtic Bank Corporation	6	$1.1M	0.3%	0.00%
53	First Bank of the Lake	1	$1.1M	0.3%	0.00%
54	Southern Bank	1	$1.0M	0.3%	0.00%
55	Gulfside Bank	1	$990K	0.3%	0.00%
56	Bank of America, National Association	6	$989K	0.3%	0.00%
57	KeyBank National Association	2	$959K	0.3%	0.00%
58	First Internet Bank of Indiana	1	$952K	0.3%	0.00%
59	First Western SBLC, LLC d/b/a Peachtree Group	1	$900K	0.2%	0.00%
60	Gulf Coast Bank and Trust Company	1	$850K	0.2%	0.00%
61	Grasshopper Bank National Association	1	$836K	0.2%	0.00%
62	Paragon Bank	2	$804K	0.2%	0.00%
63	FirstBank	1	$769K	0.2%	0.00%
64	United Bank	6	$748K	0.2%	1.89%
65	Coastal States Bank	2	$746K	0.2%	0.00%
66	Port 51 Lending LLC	1	$700K	0.2%	0.00%
67	Bank OZK	1	$628K	0.2%	0.00%
68	BankPlus	2	$600K	0.2%	0.00%
69	First Bank	1	$558K	0.2%	72.86%
70	Colony Bank	1	$545K	0.1%	0.00%
71	Lendistry SBLC, LLC	2	$505K	0.1%	0.00%
72	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$475K	0.1%	0.00%
73	Midwest Regional Bank	1	$471K	0.1%	0.00%
74	First Horizon Bank	1	$471K	0.1%	0.00%
75	Merchants Bank of Indiana	1	$465K	0.1%	0.00%
76	Trustmark Bank	2	$427K	0.1%	0.00%
77	First Commonwealth Bank	1	$413K	0.1%	0.00%
78	First Merchants Bank	1	$410K	0.1%	10.37%
79	PriorityOne Bank	1	$400K	0.1%	0.00%
80	North State Bank	1	$400K	0.1%	0.00%
81	GBank	1	$400K	0.1%	0.00%
82	ConnectOne Bank	1	$385K	0.1%	0.00%
83	Community West Bank	1	$385K	0.1%	0.00%
84	Peoples Bank	2	$368K	0.1%	0.00%
85	America First Federal Credit Union	1	$350K	0.1%	0.00%
86	Western State Bank	1	$337K	0.1%	63.92%
87	First Business Bank	1	$297K	0.1%	0.00%
88	Encore Bank	1	$281K	0.1%	0.00%
89	FDIC - Community Bank & Trust-West Georgia	1	$267K	0.1%	0.00%
90	American Momentum Bank	1	$260K	0.1%	0.00%
91	Florida First Capital Finance Corporation, Inc.	1	$224K	0.1%	0.00%
92	BBIF Captial, Inc.	1	$184K	0.1%	0.00%
93	Magnifi Financial CU	1	$175K	0.0%	0.00%
94	Bank Five Nine	1	$150K	0.0%	0.00%
95	Liberty Bank, Inc.	1	$150K	0.0%	0.00%
96	Independence Bank	1	$150K	0.0%	0.00%
97	First National Bank of Pennsylvania	1	$150K	0.0%	0.00%
98	The Bank of Tampa	1	$130K	0.0%	0.00%
99	JPMorgan Chase Bank, National Association	2	$74K	0.0%	99.15%
100	VelocitySBA, LLC	8	$65K	0.0%	32.33%
101	First Command Bank	1	$50K	0.0%	0.00%
102	Capital One National Association	1	$50K	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	96	$95.0M	26.1%
2	Other services	62	$45.0M	12.3%
3	Health care & social assistance	76	$44.3M	12.2%
4	Retail trade	51	$25.1M	6.9%
5	Professional & technical services	51	$24.1M	6.6%
6	Construction	56	$22.8M	6.2%
7	Administrative & waste services	41	$20.1M	5.5%
8	Retail trade	35	$19.4M	5.3%
9	Real estate & leasing	24	$16.9M	4.6%
10	Arts, entertainment & recreation	16	$16.2M	4.4%
11	Manufacturing	20	$11.6M	3.2%
12	Wholesale trade	14	$11.6M	3.2%
13	Transportation & warehousing	11	$3.7M	1.0%
14	Educational services	13	$2.4M	0.7%
15	Management of companies	4	$2.2M	0.6%
16	Finance & insurance	5	$1.8M	0.5%
17	Manufacturing	5	$1.3M	0.4%
18	Manufacturing	5	$1.0M	0.3%
19	Agriculture, forestry & fishing	1	$25K	0.0%
20	Transportation & warehousing	1	$25K	0.0%
21	Information	1	$10K	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.