SBA 7(a) lenders in Banks, GA
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
25 institutions have SBA 7(a) loans on record in Banks, together $43.8M across 47 loans. Metro City Bank is the largest, with 29% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Metro City Bank | 13 | $12.5M | 28.6% | 0.00% |
| 2 | SouthState Bank, National Association | 4 | $5.0M | 11.5% | 0.00% |
| 3 | American Momentum Bank | 2 | $3.4M | 7.7% | 0.00% |
| 4 | HomeTrust Bank | 2 | $3.3M | 7.6% | 0.00% |
| 5 | Wells Fargo Bank National Association | 3 | $3.2M | 7.3% | 0.00% |
| 6 | Embassy National Bank | 2 | $3.1M | 7.1% | 0.00% |
| 7 | Craft Bank | 1 | $2.1M | 4.8% | 0.00% |
| 8 | VelocitySBA, LLC | 1 | $1.9M | 4.4% | 0.00% |
| 9 | Loyal Trust Bank | 1 | $1.7M | 4.0% | 0.00% |
| 10 | Vallant Bank | 1 | $1.1M | 2.6% | 0.00% |
| 11 | Ameris Bank | 3 | $1.1M | 2.5% | 0.00% |
| 12 | First Financial Bank | 1 | $935K | 2.1% | 0.00% |
| 13 | First National Community Bank | 1 | $850K | 1.9% | 0.00% |
| 14 | PromiseOne Bank | 1 | $800K | 1.8% | 0.00% |
| 15 | Pinnacle Bank | 1 | $665K | 1.5% | 0.00% |
| 16 | Live Oak Banking Company | 1 | $420K | 1.0% | 0.00% |
| 17 | Bank of America, National Association | 1 | $350K | 0.8% | 0.00% |
| 18 | First Merchants Bank | 1 | $320K | 0.7% | 0.00% |
| 19 | United Community Bank | 1 | $237K | 0.5% | 0.00% |
| 20 | The Huntington National Bank | 1 | $218K | 0.5% | 0.00% |
| 21 | Celtic Bank Corporation | 1 | $150K | 0.3% | 0.00% |
| 22 | First Bank of the Lake | 1 | $105K | 0.2% | 0.00% |
| 23 | Northeast Georgia Bank | 1 | $98K | 0.2% | 0.00% |
| 24 | Bank of Hope | 1 | $35K | 0.1% | 96.37% |
| 25 | Peach State Bank and Trust | 1 | $30K | 0.1% | 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 | 11 | $16.4M | 37.5% |
| 2 | Agriculture, forestry & fishing | 16 | $13.4M | 30.6% |
| 3 | Transportation & warehousing | 3 | $4.0M | 9.2% |
| 4 | Retail trade | 4 | $2.8M | 6.3% |
| 5 | Wholesale trade | 2 | $1.8M | 4.2% |
| 6 | Retail trade | 1 | $1.4M | 3.2% |
| 7 | Health care & social assistance | 1 | $1.1M | 2.6% |
| 8 | Arts, entertainment & recreation | 1 | $1.1M | 2.5% |
| 9 | Administrative & waste services | 1 | $850K | 1.9% |
| 10 | Construction | 3 | $390K | 0.9% |
| 11 | Other services | 3 | $233K | 0.5% |
| 12 | Professional & technical services | 1 | $150K | 0.3% |
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.