SBA 7(a) lenders in Stephens, GA
Approvals in SBA fiscal years 2009–2026. Source data as of 2026-09-30.
Lenders
24 institutions have SBA 7(a) loans on record in Stephens, together $39.8M across 46 loans. Bank OZK is the largest, with 13% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Bank OZK | 1 | $5.0M | 12.5% | 0.00% |
| 2 | Live Oak Banking Company | 3 | $4.5M | 11.2% | 0.00% |
| 3 | PromiseOne Bank | 5 | $2.8M | 7.1% | 0.00% |
| 4 | Community Bank of Pickens County | 1 | $2.7M | 6.8% | 0.00% |
| 5 | First Financial Bank | 5 | $2.7M | 6.7% | 0.00% |
| 6 | Metro City Bank | 6 | $2.5M | 6.3% | 0.00% |
| 7 | Vallant Bank | 1 | $2.5M | 6.2% | 0.00% |
| 8 | Ameris Bank | 3 | $2.4M | 6.0% | 0.00% |
| 9 | First-Citizens Bank & Trust Company | 1 | $2.1M | 5.3% | 0.00% |
| 10 | Touchmark National Bank | 1 | $1.5M | 3.7% | 0.00% |
| 11 | Embassy National Bank | 2 | $1.2M | 3.1% | 0.00% |
| 12 | United Midwest Savings Bank National Association | 2 | $1.2M | 3.1% | 9.40% |
| 13 | Renasant Bank | 3 | $1.2M | 3.1% | 0.00% |
| 14 | Peach State Federal Credit Union | 1 | $1.1M | 2.7% | 0.00% |
| 15 | Coastal States Bank | 1 | $985K | 2.5% | 0.00% |
| 16 | Northeast Bank | 1 | $891K | 2.2% | 0.00% |
| 17 | Citizens Bank | 1 | $890K | 2.2% | 0.00% |
| 18 | Open Bank | 2 | $680K | 1.7% | 0.00% |
| 19 | Stone Bank | 1 | $610K | 1.5% | 0.00% |
| 20 | LGE Community CU | 1 | $590K | 1.5% | 0.00% |
| 21 | Truist Bank | 1 | $557K | 1.4% | 0.00% |
| 22 | HomeTrust Bank | 1 | $500K | 1.3% | 0.00% |
| 23 | Queensborough National Bank and Trust Company | 1 | $450K | 1.1% | 0.00% |
| 24 | SouthState Bank, National Association | 1 | $305K | 0.8% | 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 | Retail trade | 12 | $6.9M | 17.3% |
| 2 | Accommodation & food services | 13 | $6.8M | 16.9% |
| 3 | Agriculture, forestry & fishing | 7 | $6.5M | 16.3% |
| 4 | Wholesale trade | 2 | $5.2M | 12.9% |
| 5 | Administrative & waste services | 1 | $5.0M | 12.5% |
| 6 | Health care & social assistance | 3 | $2.1M | 5.3% |
| 7 | Transportation & warehousing | 1 | $2.1M | 5.3% |
| 8 | Professional & technical services | 2 | $2.1M | 5.2% |
| 9 | Arts, entertainment & recreation | 1 | $1.1M | 2.7% |
| 10 | Other services | 1 | $985K | 2.5% |
| 11 | Retail trade | 1 | $700K | 1.8% |
| 12 | Manufacturing | 1 | $305K | 0.8% |
| 13 | Real estate & leasing | 1 | $150K | 0.4% |
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.