SBA 7(a) lenders in Winnebago, IL

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

Lenders

74 institutions have SBA 7(a) loans on record in Winnebago, together $328.4M across 898 loans. UMB Bank, National Association is the largest, with 20% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	UMB Bank, National Association	219	$65.9M	20.1%	7.07%
2	Midland States Bank	110	$40.9M	12.5%	0.67%
3	St. Charles Bank & Trust Company, National Association	38	$29.2M	8.9%	0.00%
4	Byline Bank	20	$22.7M	6.9%	0.00%
5	First Mid Bank & Trust, National Association	40	$15.1M	4.6%	0.83%
6	Millennium Bank	6	$13.2M	4.0%	0.00%
7	The Huntington National Bank	73	$13.2M	4.0%	4.12%
8	JPMorgan Chase Bank, National Association	59	$12.0M	3.6%	0.30%
9	Associated Bank National Association	92	$11.3M	3.4%	0.64%
10	Live Oak Banking Company	11	$9.3M	2.8%	0.00%
11	BMO Bank National Association	11	$8.7M	2.6%	0.00%
12	Foresight Bank	37	$7.9M	2.4%	6.44%
13	U.S. Bank, National Association	34	$7.1M	2.2%	4.61%
14	Readycap Lending, LLC	3	$4.4M	1.3%	0.00%
15	Pathward National Association	2	$4.2M	1.3%	0.00%
16	Village Bank and Trust, National Association	4	$3.9M	1.2%	0.00%
17	GBank	2	$3.8M	1.1%	0.00%
18	United Midwest Savings Bank National Association	4	$2.9M	0.9%	0.00%
19	American Community Bank & Trust	3	$2.9M	0.9%	0.00%
20	Baraboo State Bank	1	$2.8M	0.8%	0.00%
21	Stearns Bank National Association	2	$2.5M	0.8%	0.00%
22	First American Bank	4	$2.3M	0.7%	0.00%
23	Bank Five Nine	2	$2.2M	0.7%	0.00%
24	First National Bank of Pennsylvania	3	$2.2M	0.7%	0.00%
25	Newtek Small Business Finance, Inc.	6	$2.1M	0.6%	0.00%
26	Northbrook Bank & Trust Company, National Association	2	$1.9M	0.6%	27.30%
27	Newtek Bank, National Association	7	$1.8M	0.5%	0.00%
28	Peoples Bank	1	$1.8M	0.5%	0.00%
29	PNC Bank, National Association	16	$1.7M	0.5%	2.38%
30	Centerstone SBA Lending, Inc.	1	$1.7M	0.5%	0.00%
31	Merchants Bank of Indiana	1	$1.7M	0.5%	0.00%
32	BankUnited, National Association	1	$1.6M	0.5%	0.00%
33	Sauk Valley Bank & Trust Company	1	$1.6M	0.5%	0.00%
34	Hanmi Bank	2	$1.4M	0.4%	0.00%
35	Bank First, N.A.	3	$1.4M	0.4%	52.43%
36	BayFirst National Bank	7	$1.4M	0.4%	0.00%
37	Capital One National Association	1	$1.2M	0.4%	0.00%
38	Northeast Bank	13	$1.2M	0.4%	5.56%
39	First Internet Bank of Indiana	1	$1.1M	0.3%	0.00%
40	Enterprise Bank & Trust	1	$1.1M	0.3%	0.00%
41	United Community Bank	2	$1.0M	0.3%	0.00%
42	Citizens Bank	2	$1.0M	0.3%	0.00%
43	First Merchants Bank	1	$903K	0.3%	0.00%
44	Genesis Bank	1	$810K	0.2%	0.00%
45	Shoreham Bank	2	$750K	0.2%	69.55%
46	Fifth Third Bank	4	$720K	0.2%	0.00%
47	Busey Bank	1	$568K	0.2%	0.00%
48	KeyBank National Association	1	$555K	0.2%	0.00%
49	Columbia Bank	1	$532K	0.2%	0.00%
50	Stillman BancCorp N.A.	5	$517K	0.2%	3.63%
51	First Bank	1	$460K	0.1%	0.00%
52	Simmons Bank	3	$456K	0.1%	0.00%
53	Independence Bank	3	$450K	0.1%	0.00%
54	OakStar Bank	1	$440K	0.1%	0.00%
55	TBK Bank, SSB	1	$415K	0.1%	0.00%
56	TowneBank	1	$411K	0.1%	0.00%
57	Old National Bank	1	$400K	0.1%	0.00%
58	The Harvard State Bank	3	$361K	0.1%	0.00%
59	Byron Bank	2	$300K	0.1%	0.00%
60	Union National Bank	1	$275K	0.1%	0.00%
61	Wells Fargo Bank National Association	1	$266K	0.1%	85.99%
62	Wilmington Savings Fund Society FSB	1	$243K	0.1%	0.00%
63	Popular Bank	2	$230K	0.1%	79.58%
64	First-Citizens Bank & Trust Company	1	$200K	0.1%	0.00%
65	Legence Bank	1	$200K	0.1%	0.00%
66	Celtic Bank Corporation	1	$150K	0.0%	0.00%
67	Five Star Bank	1	$150K	0.0%	0.00%
68	Capital Bank, National Association	1	$150K	0.0%	0.00%
69	One Community Bank	1	$150K	0.0%	0.00%
70	Seacoast National Bank	1	$140K	0.0%	0.00%
71	GreenState CU	1	$100K	0.0%	0.00%
72	State Bank of the Lakes, National Association	1	$100K	0.0%	0.00%
73	VelocitySBA, LLC	3	$25K	0.0%	0.00%
74	Bank of Hope	1	$25K	0.0%	84.29%

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	Manufacturing	126	$73.2M	22.3%
2	Accommodation & food services	86	$51.8M	15.8%
3	Health care & social assistance	82	$28.1M	8.5%
4	Construction	88	$18.8M	5.7%
5	Retail trade	71	$18.6M	5.7%
6	Other services	97	$17.8M	5.4%
7	Transportation & warehousing	67	$16.5M	5.0%
8	Manufacturing	34	$16.3M	5.0%
9	Retail trade	38	$15.7M	4.8%
10	Administrative & waste services	50	$15.1M	4.6%
11	Wholesale trade	38	$13.6M	4.1%
12	Finance & insurance	20	$8.7M	2.6%
13	Arts, entertainment & recreation	13	$8.6M	2.6%
14	Professional & technical services	46	$8.5M	2.6%
15	Real estate & leasing	12	$8.3M	2.5%
16	Manufacturing	10	$4.7M	1.4%
17	Transportation & warehousing	5	$1.7M	0.5%
18	Information	6	$1.3M	0.4%
19	Educational services	7	$753K	0.2%
20	Agriculture, forestry & fishing	2	$294K	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.