SBA 7(a) lenders in Pinellas, FL

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

Lenders

173 institutions have SBA 7(a) loans on record in Pinellas, together $1.70B across 3,153 loans. BayFirst National Bank is the largest, with 5% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	BayFirst National Bank	170	$92.4M	5.4%	1.21%
2	Live Oak Banking Company	91	$81.2M	4.8%	0.12%
3	Valley National Bank	87	$78.3M	4.6%	0.00%
4	Wells Fargo Bank National Association	263	$65.3M	3.8%	8.51%
5	The Huntington National Bank	135	$53.9M	3.2%	1.06%
6	Pinnacle Bank	91	$53.6M	3.2%	2.95%
7	Truist Bank	134	$53.0M	3.1%	1.36%
8	Hancock Whitney Bank	57	$43.8M	2.6%	0.30%
9	Bank OZK	67	$43.3M	2.6%	2.04%
10	Seacoast National Bank	55	$39.9M	2.3%	0.49%
11	Centennial Bank	50	$39.7M	2.3%	2.74%
12	Regions Bank	61	$37.2M	2.2%	0.00%
13	Lake Michigan CU	46	$36.4M	2.1%	0.00%
14	Newtek Bank, National Association	90	$35.4M	2.1%	0.00%
15	Fifth Third Bank	74	$32.7M	1.9%	3.17%
16	The Bank of Tampa	36	$30.5M	1.8%	1.06%
17	First-Citizens Bank & Trust Company	60	$30.1M	1.8%	2.58%
18	Byline Bank	21	$29.8M	1.8%	0.00%
19	First Internet Bank of Indiana	26	$28.9M	1.7%	0.00%
20	JPMorgan Chase Bank, National Association	141	$28.7M	1.7%	0.76%
21	TD Bank, National Association	129	$28.5M	1.7%	1.27%
22	PNC Bank, National Association	64	$25.8M	1.5%	13.83%
23	SouthState Bank, National Association	28	$24.3M	1.4%	0.00%
24	Bank of America, National Association	75	$23.3M	1.4%	1.03%
25	Pathward National Association	12	$23.1M	1.4%	0.00%
26	Readycap Lending, LLC	53	$22.4M	1.3%	6.10%
27	Celtic Bank Corporation	62	$21.0M	1.2%	2.73%
28	American Momentum Bank	19	$19.4M	1.1%	0.00%
29	DFCU Financial	27	$19.2M	1.1%	0.00%
30	Newtek Small Business Finance, LLC	30	$19.2M	1.1%	1.27%
31	Central Bank	14	$18.5M	1.1%	5.15%
32	BankUnited, National Association	33	$18.5M	1.1%	0.68%
33	Banesco USA	20	$16.6M	1.0%	0.00%
34	Stearns Bank National Association	39	$15.2M	0.9%	5.15%
35	Midwest Regional Bank	19	$14.9M	0.9%	1.26%
36	Northeast Bank	80	$14.5M	0.9%	5.20%
37	Colony Bank	15	$13.6M	0.8%	0.00%
38	United Midwest Savings Bank National Association	37	$13.3M	0.8%	5.53%
39	Customers Bank	20	$12.9M	0.8%	7.64%
40	Achieva CU	23	$12.7M	0.8%	2.79%
41	First National Bank of Pennsylvania	17	$12.7M	0.7%	8.85%
42	United Community Bank	14	$12.7M	0.7%	2.91%
43	Cogent Bank	12	$12.3M	0.7%	0.00%
44	Gulf Coast Bank and Trust Company	15	$11.9M	0.7%	0.00%
45	Flagship Bank	18	$11.8M	0.7%	0.00%
46	First Horizon Bank	18	$11.4M	0.7%	1.85%
47	Harvest Small Business Finance, LLC	14	$10.3M	0.6%	0.00%
48	CIBM Bank	3	$10.1M	0.6%	0.00%
49	Ameris Bank	9	$9.5M	0.6%	0.00%
50	Bank of Central Florida	8	$8.7M	0.5%	10.73%
51	Republic Bank & Trust Company	25	$8.1M	0.5%	0.00%
52	Bank Five Nine	6	$7.9M	0.5%	0.00%
53	PromiseOne Bank	5	$7.7M	0.5%	0.00%
54	Evolve Bank and Trust	6	$7.2M	0.4%	0.00%
55	Climate First Bank	6	$7.1M	0.4%	0.00%
56	First Business Bank	6	$6.9M	0.4%	0.00%
57	HomeTrust Bank	8	$6.7M	0.4%	0.00%
58	Happen Bank	6	$6.6M	0.4%	0.00%
59	22nd State Bank, A Division of 22nd State Banking Company	4	$6.4M	0.4%	0.00%
60	Northwest Bank	4	$6.4M	0.4%	0.00%
61	The Bancorp Bank National Association	9	$6.4M	0.4%	0.00%
62	Metro City Bank	4	$6.3M	0.4%	0.00%
63	Beacon Bank and Trust	7	$6.1M	0.4%	0.00%
64	Citizens Bank	13	$6.1M	0.4%	0.00%
65	First Merchants Bank	7	$6.0M	0.4%	0.00%
66	TowneBank	7	$5.5M	0.3%	0.00%
67	First Bank of the Lake	7	$5.3M	0.3%	0.00%
68	Popular Bank	14	$5.3M	0.3%	33.63%
69	The MINT National Bank	3	$5.1M	0.3%	0.00%
70	Paradise Bank	2	$5.0M	0.3%	0.00%
71	OptimumBank	1	$5.0M	0.3%	0.00%
72	Peoples Bank	1	$5.0M	0.3%	0.00%
73	Grasshopper Bank National Association	7	$5.0M	0.3%	0.00%
74	CRF Small Business Loan Company, LLC	7	$4.6M	0.3%	0.00%
75	U.S. Bank, National Association	6	$4.6M	0.3%	0.00%
76	Lendistry SBLC, LLC	11	$4.2M	0.2%	62.56%
77	VelocitySBA, LLC	38	$3.8M	0.2%	2.47%
78	Waterfall Bank	3	$3.8M	0.2%	0.00%
79	Hanmi Bank	6	$3.7M	0.2%	0.00%
80	Enterprise Bank & Trust	3	$3.6M	0.2%	0.00%
81	Simmons Bank	14	$3.4M	0.2%	10.13%
82	First Bank	4	$3.4M	0.2%	0.00%
83	Capital Bank, National Association	3	$3.3M	0.2%	0.00%
84	Hanover Community Bank	2	$3.1M	0.2%	0.00%
85	Axiom Bank, National Association	2	$3.0M	0.2%	0.00%
86	First Financial Bank	1	$3.0M	0.2%	0.00%
87	Columbia Bank	10	$2.8M	0.2%	0.00%
88	Bankwell Bank	1	$2.6M	0.2%	0.00%
89	Truliant FCU	1	$2.5M	0.1%	0.00%
90	KeyBank National Association	3	$2.5M	0.1%	0.00%
91	CIBC Bank USA	2	$2.3M	0.1%	0.00%
92	Florida Capital Bank, National Association	5	$2.3M	0.1%	6.59%
93	Oconee State Bank	2	$2.2M	0.1%	0.00%
94	Stone Bank	4	$2.2M	0.1%	0.00%
95	North State Bank	2	$2.1M	0.1%	0.00%
96	The Fidelity Bank	2	$2.1M	0.1%	0.00%
97	Wachovia SBA Lending, Inc.	1	$2.0M	0.1%	0.00%
98	Genesis Bank	1	$2.0M	0.1%	0.00%
99	First Commonwealth Bank	3	$2.0M	0.1%	0.00%
100	CenTrust Bank, A Division of SmartBiz Bank National Association	9	$1.9M	0.1%	0.00%
101	GTE FCU d/b/a GTE Financial	8	$1.9M	0.1%	0.00%
102	FWBank	1	$1.8M	0.1%	0.00%
103	Capitol National Bank	5	$1.8M	0.1%	0.00%
104	Sunshine State Economic Development Corporation	12	$1.7M	0.1%	0.00%
105	Banc of California	2	$1.7M	0.1%	0.00%
106	Capital One National Association	11	$1.7M	0.1%	4.76%
107	Five Star Bank	7	$1.6M	0.1%	0.00%
108	1st Financial Bank USA	1	$1.6M	0.1%	0.00%
109	Meridian Bank	1	$1.5M	0.1%	0.00%
110	Midwest BankCentre	2	$1.5M	0.1%	0.00%
111	Busey Bank	2	$1.4M	0.1%	0.00%
112	ConnectOne Bank	2	$1.3M	0.1%	0.00%
113	Paragon Bank	4	$1.3M	0.1%	0.00%
114	Renasant Bank	2	$1.3M	0.1%	31.45%
115	T Bank, National Association	2	$1.2M	0.1%	0.00%
116	Patriot Bank, National Association	3	$1.1M	0.1%	0.00%
117	Heritage Bank Inc	3	$1.1M	0.1%	0.00%
118	First National Bank of Omaha	2	$1.1M	0.1%	0.00%
119	Independence Bank	8	$1.0M	0.1%	49.29%
120	Time Bank	1	$1.0M	0.1%	0.00%
121	Business Lenders, LLC	2	$985K	0.1%	38.22%
122	Port 51 Lending LLC	1	$971K	0.1%	0.00%
123	Georgia Banking Company	2	$964K	0.1%	3.11%
124	Legence Bank	2	$931K	0.1%	0.00%
125	IncredibleBank	2	$925K	0.1%	0.00%
126	GBank	1	$913K	0.1%	0.00%
127	First Federal Bank	3	$834K	0.0%	8.46%
128	Community Bank of Pickens County	1	$832K	0.0%	0.00%
129	Magnifi Financial CU	5	$821K	0.0%	0.00%
130	FDIC - Community Bank & Trust-West Georgia	2	$819K	0.0%	0.00%
131	CDC Small Business Finance Corp.	5	$770K	0.0%	0.00%
132	The Bank of Missouri	2	$755K	0.0%	0.00%
133	MVB Bank, Inc.	1	$720K	0.0%	0.00%
134	First Port City Bank	1	$633K	0.0%	0.00%
135	Carver State Bank	1	$624K	0.0%	0.00%
136	Wilmington Savings Fund Society FSB	1	$600K	0.0%	0.00%
137	Midland States Bank	2	$558K	0.0%	0.00%
138	Touchmark National Bank	1	$553K	0.0%	0.00%
139	Encore Bank	2	$552K	0.0%	0.00%
140	Western State Bank	1	$550K	0.0%	0.00%
141	Locality Bank	1	$531K	0.0%	0.00%
142	Echelon Bank	1	$500K	0.0%	0.00%
143	Manufacturers and Traders Trust Company	2	$500K	0.0%	60.84%
144	Regent Bank	2	$492K	0.0%	63.93%
145	Southern Bank	1	$464K	0.0%	0.00%
146	Bank of Hope	11	$438K	0.0%	76.02%
147	Florida Business Development Corporation	2	$425K	0.0%	0.00%
148	21st Century Bank	1	$410K	0.0%	0.00%
149	Thread Bank	1	$404K	0.0%	0.00%
150	The Bank of Houston	1	$370K	0.0%	0.00%
151	Craft Bank	1	$356K	0.0%	0.00%
152	America First Federal Credit Union	1	$350K	0.0%	0.00%
153	Servbank National Association	1	$350K	0.0%	0.00%
154	Lexicon Bank	1	$348K	0.0%	0.00%
155	Addition Financial CU	1	$343K	0.0%	0.00%
156	Mechanics and Farmers Bank	1	$333K	0.0%	0.00%
157	FinWise Bank	2	$300K	0.0%	0.00%
158	Community West Bank	1	$290K	0.0%	69.33%
159	BBIF Captial, Inc.	1	$250K	0.0%	0.00%
160	Florida First Capital Finance Corporation, Inc.	1	$250K	0.0%	0.00%
161	Southern Bancorp Bank	1	$245K	0.0%	0.00%
162	Associated Bank National Association	1	$202K	0.0%	0.00%
163	First Bank	2	$200K	0.0%	0.00%
164	Community South Bank	1	$191K	0.0%	84.47%
165	Suncoast CU	1	$177K	0.0%	0.00%
166	City National Bank of Florida	1	$150K	0.0%	0.00%
167	BMO Bank National Association	2	$133K	0.0%	75.59%
168	West Central Development Corporation	2	$125K	0.0%	0.00%
169	Federal Deposit Insurance Corporation	1	$125K	0.0%	0.00%
170	Optus Bank	1	$103K	0.0%	0.00%
171	Peoples National Bank National Association	1	$80K	0.0%	0.00%
172	Arvest Bank	1	$52K	0.0%	0.00%
173	SoFi Bank, National Association	1	$16K	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	422	$313.2M	18.4%
2	Health care & social assistance	373	$239.6M	14.1%
3	Professional & technical services	379	$186.5M	11.0%
4	Other services	259	$110.8M	6.5%
5	Construction	267	$107.7M	6.3%
6	Manufacturing	158	$103.2M	6.1%
7	Wholesale trade	160	$86.5M	5.1%
8	Finance & insurance	112	$75.7M	4.5%
9	Retail trade	172	$72.0M	4.2%
10	Administrative & waste services	165	$65.4M	3.9%
11	Arts, entertainment & recreation	131	$65.0M	3.8%
12	Retail trade	175	$64.6M	3.8%
13	Real estate & leasing	89	$51.9M	3.1%
14	Manufacturing	63	$49.7M	2.9%
15	Manufacturing	60	$27.1M	1.6%
16	Educational services	46	$23.5M	1.4%
17	Information	43	$20.5M	1.2%
18	Transportation & warehousing	60	$18.5M	1.1%
19	Management of companies	5	$7.5M	0.4%
20	Utilities	5	$5.0M	0.3%
21	Transportation & warehousing	4	$3.3M	0.2%
22	Mining & extraction	1	$150K	0.0%
23	Public administration	2	$145K	0.0%
24	Agriculture, forestry & fishing	2	$55K	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.