SBA 7(a) lenders in Clayton, GA

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

Lenders

93 institutions have SBA 7(a) loans on record in Clayton, together $390.7M across 581 loans. Metro City Bank is the largest, with 18% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Metro City Bank	65	$70.9M	18.2%	0.64%
2	Renasant Bank	27	$21.9M	5.6%	3.74%
3	Ameris Bank	21	$17.1M	4.4%	0.00%
4	The Huntington National Bank	12	$13.7M	3.5%	0.00%
5	HomeTrust Bank	11	$12.0M	3.1%	1.40%
6	Live Oak Banking Company	7	$10.5M	2.7%	0.00%
7	Newtek Bank, National Association	13	$10.3M	2.6%	0.00%
8	PromiseOne Bank	13	$10.3M	2.6%	0.00%
9	Newtek Small Business Finance, Inc.	7	$10.1M	2.6%	0.00%
10	United Bank	4	$9.3M	2.4%	0.00%
11	Embassy National Bank	9	$9.1M	2.3%	0.00%
12	Harvest Small Business Finance, LLC	14	$9.0M	2.3%	0.00%
13	Touchmark National Bank	10	$8.9M	2.3%	0.00%
14	Coastal States Bank	8	$8.4M	2.1%	0.00%
15	Celtic Bank Corporation	16	$7.7M	2.0%	0.85%
16	Readycap Lending, LLC	16	$7.6M	2.0%	0.00%
17	BancFirst	2	$7.0M	1.8%	0.00%
18	SouthState Bank, National Association	3	$6.9M	1.8%	0.00%
19	Bank of Hope	44	$6.7M	1.7%	5.91%
20	Georgia's Own Credit Union	5	$6.4M	1.6%	0.00%
21	Truist Bank	32	$6.2M	1.6%	0.51%
22	First Community Bank	7	$6.2M	1.6%	0.00%
23	GBank	3	$6.0M	1.5%	0.00%
24	World Trade Finance, Inc.	1	$5.0M	1.3%	0.00%
25	Wells Fargo Bank National Association	49	$4.7M	1.2%	2.37%
26	US Metro Bank	2	$4.4M	1.1%	0.00%
27	First Federal Bank	2	$4.1M	1.1%	14.67%
28	United Community Bank	3	$4.1M	1.1%	0.00%
29	East West Bank	8	$4.1M	1.1%	0.00%
30	Pinnacle Bank	5	$4.1M	1.0%	0.00%
31	IncredibleBank	2	$3.8M	1.0%	0.00%
32	Columbia Bank	7	$3.7M	0.9%	2.44%
33	LGE Community CU	2	$3.6M	0.9%	0.00%
34	Loyal Trust Bank	3	$3.6M	0.9%	0.00%
35	Atlantic Union Bank	1	$3.2M	0.8%	0.00%
36	Fifth Third Bank	6	$3.2M	0.8%	0.00%
37	22nd State Bank, A Division of 22nd State Banking Company	1	$3.0M	0.8%	0.00%
38	Wallis Bank	2	$2.6M	0.7%	0.00%
39	City National Bank	1	$2.5M	0.6%	0.00%
40	JPMorgan Chase Bank, National Association	16	$2.3M	0.6%	4.02%
41	Port 51 Lending LLC	2	$2.3M	0.6%	0.00%
42	Commerce Bank	4	$2.3M	0.6%	0.00%
43	Farmers and Merchants Bank	1	$2.2M	0.6%	0.00%
44	Bank of America, National Association	6	$2.0M	0.5%	0.25%
45	Old National Bank	2	$1.9M	0.5%	0.00%
46	Lendistry SBLC, LLC	3	$1.9M	0.5%	0.00%
47	Northeast Bank	12	$1.9M	0.5%	0.00%
48	Evolve Bank and Trust	1	$1.9M	0.5%	0.00%
49	Hanmi Bank	4	$1.9M	0.5%	0.00%
50	Commonwealth Business Bank	2	$1.8M	0.5%	0.00%
51	United Midwest Savings Bank National Association	10	$1.7M	0.4%	8.53%
52	Regions Bank	3	$1.7M	0.4%	0.00%
53	Citizens Bank	3	$1.6M	0.4%	0.00%
54	FDIC - Community Bank & Trust-West Georgia	1	$1.5M	0.4%	0.00%
55	Federal Deposit Insurance Corporation	5	$1.3M	0.3%	0.00%
56	The Bancorp Bank National Association	1	$1.2M	0.3%	0.00%
57	ConnectOne Bank	1	$1.1M	0.3%	0.00%
58	Popular Bank	2	$1.1M	0.3%	0.00%
59	TowneBank	2	$991K	0.3%	0.00%
60	Banc of California	2	$965K	0.2%	0.00%
61	Cogent Bank	1	$852K	0.2%	0.00%
62	First Internet Bank of Indiana	2	$805K	0.2%	0.00%
63	Thread Bank	1	$718K	0.2%	0.00%
64	BayFirst National Bank	4	$691K	0.2%	0.00%
65	North State Bank	1	$653K	0.2%	0.00%
66	Oconee State Bank	1	$600K	0.2%	0.00%
67	Byline Bank	1	$590K	0.2%	0.00%
68	VelocitySBA, LLC	10	$587K	0.2%	6.24%
69	American Commerce Bank, National Association	2	$567K	0.1%	0.00%
70	First Bank of the Lake	3	$554K	0.1%	0.00%
71	Texas Capital Bank	1	$524K	0.1%	0.00%
72	Stearns Bank National Association	2	$480K	0.1%	37.48%
73	Hana Small Business Lending, Inc.	1	$435K	0.1%	0.00%
74	First Merchants Bank	1	$425K	0.1%	0.00%
75	KeyBank National Association	1	$405K	0.1%	0.00%
76	Georgia Banking Company	1	$377K	0.1%	0.00%
77	Beal Bank USA	1	$370K	0.1%	36.09%
78	CRF Small Business Loan Company, LLC	1	$352K	0.1%	0.00%
79	Paragon Bank	1	$351K	0.1%	0.00%
80	Gulf Coast Bank and Trust Company	1	$346K	0.1%	0.00%
81	Independence Bank	3	$290K	0.1%	38.71%
82	Grasshopper Bank National Association	1	$280K	0.1%	0.00%
83	FirstBank	1	$275K	0.1%	0.00%
84	Access to Capital for Entrepreneurs	1	$248K	0.1%	0.00%
85	CDC Small Business Finance Corp.	1	$200K	0.1%	0.00%
86	Seacoast National Bank	1	$200K	0.1%	56.82%
87	iTHINK Financial Credit Union	1	$185K	0.0%	0.00%
88	LiftFund, Inc.	1	$175K	0.0%	0.00%
89	SoFi Bank, National Association	1	$150K	0.0%	0.00%
90	PNC Bank, National Association	3	$145K	0.0%	0.00%
91	Carver State Bank	1	$125K	0.0%	0.00%
92	Capital One National Association	1	$50K	0.0%	96.35%
93	U.S. Bank, National Association	1	$18K	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	103	$95.0M	24.3%
2	Retail trade	100	$86.4M	22.1%
3	Health care & social assistance	85	$65.5M	16.8%
4	Other services	67	$49.8M	12.7%
5	Wholesale trade	30	$25.8M	6.6%
6	Transportation & warehousing	39	$9.4M	2.4%
7	Retail trade	23	$9.4M	2.4%
8	Transportation & warehousing	9	$8.3M	2.1%
9	Construction	28	$7.9M	2.0%
10	Professional & technical services	36	$7.7M	2.0%
11	Administrative & waste services	14	$7.1M	1.8%
12	Manufacturing	4	$7.0M	1.8%
13	Finance & insurance	9	$3.4M	0.9%
14	Arts, entertainment & recreation	6	$2.1M	0.5%
15	Manufacturing	2	$1.6M	0.4%
16	Mining & extraction	1	$1.4M	0.4%
17	Real estate & leasing	5	$1.2M	0.3%
18	Educational services	11	$689K	0.2%
19	Manufacturing	5	$638K	0.2%
20	Information	4	$454K	0.1%

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.