SBA 7(a) lenders in Towns, GA
Approvals in SBA fiscal years 2010–2026. Source data as of 2026-06-30.
Lenders
16 institutions have SBA 7(a) loans on record in Towns, together $25.3M across 29 loans. HomeTrust Bank is the largest, with 21% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | HomeTrust Bank | 2 | $5.2M | 20.6% | 0.00% |
| 2 | LGE Community CU | 1 | $4.6M | 18.2% | 0.00% |
| 3 | Citizens Bank | 3 | $3.3M | 13.3% | 0.00% |
| 4 | SouthState Bank, National Association | 2 | $2.8M | 11.1% | 0.00% |
| 5 | River City Bank | 2 | $1.8M | 7.0% | 0.00% |
| 6 | United Community Bank | 3 | $1.7M | 6.6% | 0.00% |
| 7 | Renasant Bank | 4 | $1.5M | 6.0% | 33.80% |
| 8 | Beacon Bank and Trust | 1 | $905K | 3.6% | 0.00% |
| 9 | TD Bank, National Association | 4 | $720K | 2.9% | 0.00% |
| 10 | Georgia Banking Company | 1 | $634K | 2.5% | 0.00% |
| 11 | Community Bank of Pickens County | 1 | $592K | 2.3% | 0.00% |
| 12 | Touchmark National Bank | 1 | $558K | 2.2% | 0.00% |
| 13 | iTHINK Financial Credit Union | 1 | $425K | 1.7% | 0.00% |
| 14 | JPMorgan Chase Bank, National Association | 1 | $361K | 1.4% | 0.00% |
| 15 | BayFirst National Bank | 1 | $150K | 0.6% | 0.00% |
| 16 | Wells Fargo Bank National Association | 1 | $20K | 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 | 8 | $17.1M | 67.7% |
| 2 | Professional & technical services | 3 | $1.7M | 6.7% |
| 3 | Real estate & leasing | 3 | $1.5M | 5.9% |
| 4 | Retail trade | 2 | $1.3M | 5.0% |
| 5 | Wholesale trade | 3 | $1.0M | 4.1% |
| 6 | Retail trade | 2 | $761K | 3.0% |
| 7 | Manufacturing | 4 | $720K | 2.9% |
| 8 | Construction | 1 | $474K | 1.9% |
| 9 | Administrative & waste services | 2 | $380K | 1.5% |
| 10 | Other services | 1 | $346K | 1.4% |
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.