SBA 7(a) lenders in Pinellas, FL

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

Lenders

171 institutions have SBA 7(a) loans on record in Pinellas, together $1.66B across 3,098 loans. BayFirst National Bank is the largest, with 6% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	BayFirst National Bank	170	$92.4M	5.6%	1.21%
2	Live Oak Banking Company	85	$78.6M	4.7%	0.00%
3	Valley National Bank	87	$78.3M	4.7%	0.00%
4	Wells Fargo Bank National Association	263	$65.3M	3.9%	8.51%
5	The Huntington National Bank	134	$53.8M	3.2%	0.70%
6	Pinnacle Bank	91	$53.6M	3.2%	2.20%
7	Truist Bank	134	$53.0M	3.2%	1.36%
8	Hancock Whitney Bank	56	$43.4M	2.6%	0.00%
9	Bank OZK	67	$43.3M	2.6%	2.04%
10	Seacoast National Bank	55	$39.9M	2.4%	0.49%
11	Centennial Bank	50	$39.7M	2.4%	2.74%
12	Regions Bank	61	$37.2M	2.2%	0.00%
13	Lake Michigan CU	46	$36.4M	2.2%	0.00%
14	Newtek Bank, National Association	82	$33.1M	2.0%	0.00%
15	Fifth Third Bank	74	$32.7M	2.0%	3.17%
16	The Bank of Tampa	36	$30.5M	1.8%	1.06%
17	First-Citizens Bank & Trust Company	59	$29.3M	1.8%	2.65%
18	TD Bank, National Association	127	$28.4M	1.7%	1.28%
19	Byline Bank	20	$28.3M	1.7%	0.00%
20	JPMorgan Chase Bank, National Association	140	$28.3M	1.7%	0.77%
21	PNC Bank, National Association	64	$25.8M	1.6%	13.83%
22	SouthState Bank, National Association	27	$24.0M	1.4%	0.00%
23	Bank of America, National Association	75	$23.3M	1.4%	1.03%
24	First Internet Bank of Indiana	22	$23.1M	1.4%	0.00%
25	Readycap Lending, LLC	51	$22.2M	1.3%	6.16%
26	Celtic Bank Corporation	62	$21.0M	1.3%	2.73%
27	American Momentum Bank	19	$19.4M	1.2%	0.00%
28	DFCU Financial	27	$19.2M	1.2%	0.00%
29	Newtek Small Business Finance, Inc.	30	$19.2M	1.2%	0.00%
30	Central Bank	14	$18.5M	1.1%	5.15%
31	BankUnited, National Association	32	$17.6M	1.1%	0.71%
32	Banesco USA	20	$16.6M	1.0%	0.00%
33	Stearns Bank National Association	39	$15.2M	0.9%	5.15%
34	Pathward National Association	9	$14.8M	0.9%	0.00%
35	Midwest Regional Bank	18	$14.1M	0.9%	1.33%
36	United Midwest Savings Bank National Association	37	$13.3M	0.8%	5.53%
37	Northeast Bank	75	$13.3M	0.8%	5.69%
38	Customers Bank	20	$12.9M	0.8%	7.64%
39	Achieva CU	23	$12.7M	0.8%	2.79%
40	First National Bank of Pennsylvania	17	$12.7M	0.8%	8.85%
41	Cogent Bank	12	$12.3M	0.7%	0.00%
42	Gulf Coast Bank and Trust Company	15	$11.9M	0.7%	0.00%
43	Flagship Bank	18	$11.8M	0.7%	0.00%
44	First Horizon Bank	18	$11.4M	0.7%	1.85%
45	United Community Bank	13	$11.0M	0.7%	3.35%
46	Colony Bank	14	$11.0M	0.7%	0.00%
47	CIBM Bank	3	$10.1M	0.6%	0.00%
48	Ameris Bank	9	$9.5M	0.6%	0.00%
49	Harvest Small Business Finance, LLC	13	$9.2M	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	First Business Bank	6	$6.9M	0.4%	0.00%
56	HomeTrust Bank	8	$6.7M	0.4%	0.00%
57	Happen Bank	6	$6.6M	0.4%	0.00%
58	22nd State Bank, A Division of 22nd State Banking Company	4	$6.4M	0.4%	0.00%
59	Northwest Bank	4	$6.4M	0.4%	0.00%
60	The Bancorp Bank National Association	9	$6.4M	0.4%	0.00%
61	Metro City Bank	4	$6.3M	0.4%	0.00%
62	Beacon Bank and Trust	7	$6.1M	0.4%	0.00%
63	Citizens Bank	13	$6.1M	0.4%	0.00%
64	First Merchants Bank	7	$6.0M	0.4%	0.00%
65	Climate First Bank	4	$5.6M	0.3%	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	Peoples Bank	1	$5.0M	0.3%	0.00%
72	OptimumBank	1	$5.0M	0.3%	0.00%
73	Grasshopper Bank National Association	6	$4.6M	0.3%	0.00%
74	CRF Small Business Loan Company, LLC	7	$4.6M	0.3%	0.00%
75	U.S. Bank, National Association	5	$4.6M	0.3%	0.00%
76	Lendistry SBLC, LLC	9	$3.8M	0.2%	69.66%
77	VelocitySBA, LLC	38	$3.8M	0.2%	2.47%
78	Hanmi Bank	6	$3.7M	0.2%	0.00%
79	Enterprise Bank & Trust	3	$3.6M	0.2%	0.00%
80	Simmons Bank	14	$3.4M	0.2%	10.13%
81	First Bank	4	$3.4M	0.2%	0.00%
82	Capital Bank, National Association	3	$3.3M	0.2%	0.00%
83	Hanover Community Bank	2	$3.1M	0.2%	0.00%
84	Axiom Bank, National Association	2	$3.0M	0.2%	0.00%
85	First Financial Bank	1	$3.0M	0.2%	0.00%
86	Columbia Bank	10	$2.8M	0.2%	0.00%
87	Bankwell Bank	1	$2.6M	0.2%	0.00%
88	Truliant FCU	1	$2.5M	0.2%	0.00%
89	KeyBank National Association	3	$2.5M	0.1%	0.00%
90	CIBC Bank USA	2	$2.3M	0.1%	0.00%
91	Florida Capital Bank, National Association	5	$2.3M	0.1%	6.59%
92	Oconee State Bank	2	$2.2M	0.1%	0.00%
93	Stone Bank	4	$2.2M	0.1%	0.00%
94	North State Bank	2	$2.1M	0.1%	0.00%
95	The Fidelity Bank	2	$2.1M	0.1%	0.00%
96	Genesis Bank	1	$2.0M	0.1%	0.00%
97	Wachovia SBA Lending, Inc.	1	$2.0M	0.1%	0.00%
98	First Commonwealth Bank	3	$2.0M	0.1%	0.00%
99	GTE FCU d/b/a GTE Financial	8	$1.9M	0.1%	0.00%
100	FWBank	1	$1.8M	0.1%	0.00%
101	Capitol National Bank	5	$1.8M	0.1%	0.00%
102	Banc of California	2	$1.7M	0.1%	0.00%
103	Capital One National Association	11	$1.7M	0.1%	4.76%
104	Five Star Bank	7	$1.6M	0.1%	0.00%
105	Sunshine State Economic Development Corporation	11	$1.6M	0.1%	0.00%
106	1st Financial Bank USA	1	$1.6M	0.1%	0.00%
107	Meridian Bank	1	$1.5M	0.1%	0.00%
108	Midwest BankCentre	2	$1.5M	0.1%	0.00%
109	CenTrust Bank, A Division of SmartBiz Bank National Association	7	$1.4M	0.1%	0.00%
110	Busey Bank	2	$1.4M	0.1%	0.00%
111	ConnectOne Bank	2	$1.3M	0.1%	0.00%
112	Paragon Bank	4	$1.3M	0.1%	0.00%
113	Renasant Bank	2	$1.3M	0.1%	31.45%
114	T Bank, National Association	2	$1.2M	0.1%	0.00%
115	Patriot Bank, National Association	3	$1.1M	0.1%	0.00%
116	Heritage Bank Inc	3	$1.1M	0.1%	0.00%
117	First National Bank of Omaha	2	$1.1M	0.1%	0.00%
118	Independence Bank	8	$1.0M	0.1%	49.29%
119	Time Bank	1	$1.0M	0.1%	0.00%
120	Business Lenders, LLC	2	$985K	0.1%	38.22%
121	Port 51 Lending LLC	1	$971K	0.1%	0.00%
122	Georgia Banking Company	2	$964K	0.1%	3.11%
123	Legence Bank	2	$931K	0.1%	0.00%
124	IncredibleBank	2	$925K	0.1%	0.00%
125	GBank	1	$913K	0.1%	0.00%
126	First Federal Bank	3	$834K	0.1%	8.46%
127	Community Bank of Pickens County	1	$832K	0.1%	0.00%
128	Magnifi Financial CU	5	$821K	0.0%	0.00%
129	FDIC - Community Bank & Trust-West Georgia	2	$819K	0.0%	0.00%
130	CDC Small Business Finance Corp.	5	$770K	0.0%	0.00%
131	MVB Bank, Inc.	1	$720K	0.0%	0.00%
132	First Port City Bank	1	$633K	0.0%	0.00%
133	Carver State Bank	1	$624K	0.0%	0.00%
134	Wilmington Savings Fund Society FSB	1	$600K	0.0%	0.00%
135	Midland States Bank	2	$558K	0.0%	0.00%
136	Touchmark National Bank	1	$553K	0.0%	0.00%
137	Encore Bank	2	$552K	0.0%	0.00%
138	Western State Bank	1	$550K	0.0%	0.00%
139	Locality Bank	1	$531K	0.0%	0.00%
140	Manufacturers and Traders Trust Company	2	$500K	0.0%	60.84%
141	Regent Bank	2	$492K	0.0%	63.93%
142	Southern Bank	1	$464K	0.0%	0.00%
143	Bank of Hope	11	$438K	0.0%	76.02%
144	Florida Business Development Corporation	2	$425K	0.0%	0.00%
145	21st Century Bank	1	$410K	0.0%	0.00%
146	Thread Bank	1	$404K	0.0%	0.00%
147	The Bank of Houston	1	$370K	0.0%	0.00%
148	Craft Bank	1	$356K	0.0%	0.00%
149	Servbank National Association	1	$350K	0.0%	0.00%
150	America First Federal Credit Union	1	$350K	0.0%	0.00%
151	Lexicon Bank	1	$348K	0.0%	0.00%
152	Addition Financial CU	1	$343K	0.0%	0.00%
153	Mechanics and Farmers Bank	1	$333K	0.0%	0.00%
154	FinWise Bank	2	$300K	0.0%	0.00%
155	Community West Bank	1	$290K	0.0%	69.33%
156	Florida First Capital Finance Corporation, Inc.	1	$250K	0.0%	0.00%
157	BBIF Captial, Inc.	1	$250K	0.0%	0.00%
158	Southern Bancorp Bank	1	$245K	0.0%	0.00%
159	Associated Bank National Association	1	$202K	0.0%	0.00%
160	First Bank	2	$200K	0.0%	0.00%
161	Community South Bank	1	$191K	0.0%	84.47%
162	Suncoast CU	1	$177K	0.0%	0.00%
163	City National Bank of Florida	1	$150K	0.0%	0.00%
164	BMO Bank National Association	2	$133K	0.0%	75.59%
165	Federal Deposit Insurance Corporation	1	$125K	0.0%	0.00%
166	West Central Development Corporation	2	$125K	0.0%	0.00%
167	Optus Bank	1	$103K	0.0%	0.00%
168	The Bank of Missouri	1	$100K	0.0%	0.00%
169	Peoples National Bank National Association	1	$80K	0.0%	0.00%
170	Arvest Bank	1	$52K	0.0%	0.00%
171	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	413	$306.6M	18.5%
2	Health care & social assistance	369	$237.0M	14.3%
3	Professional & technical services	370	$177.6M	10.7%
4	Other services	253	$107.9M	6.5%
5	Construction	264	$107.1M	6.5%
6	Manufacturing	158	$103.2M	6.2%
7	Wholesale trade	158	$85.6M	5.2%
8	Finance & insurance	110	$73.4M	4.4%
9	Retail trade	168	$68.9M	4.2%
10	Administrative & waste services	164	$64.6M	3.9%
11	Arts, entertainment & recreation	131	$64.4M	3.9%
12	Retail trade	171	$63.8M	3.8%
13	Real estate & leasing	87	$49.2M	3.0%
14	Manufacturing	60	$45.9M	2.8%
15	Manufacturing	58	$26.7M	1.6%
16	Educational services	44	$23.0M	1.4%
17	Information	43	$20.5M	1.2%
18	Transportation & warehousing	59	$18.2M	1.1%
19	Management of companies	5	$7.5M	0.5%
20	Utilities	5	$5.0M	0.3%
21	Transportation & warehousing	3	$2.3M	0.1%
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.