SBA 7(a) lenders in Chenango, NY
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
16 institutions have SBA 7(a) loans on record in Chenango, together $19.3M across 103 loans. NBT Bank, National Association is the largest, with 30% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | NBT Bank, National Association | 46 | $5.8M | 29.9% | 0.97% |
| 2 | Lender 2057189 | 6 | $4.1M | 21.2% | 12.67% |
| 3 | Bankwell Bank | 1 | $2.0M | 10.4% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 28 | $1.7M | 8.7% | 6.82% |
| 5 | US Metro Bank | 1 | $1.6M | 8.1% | 0.00% |
| 6 | Bank of Hope | 1 | $680K | 3.5% | 0.00% |
| 7 | Community Bank, National Association | 7 | $614K | 3.2% | 0.00% |
| 8 | Live Oak Banking Company | 1 | $585K | 3.0% | 0.00% |
| 9 | United Midwest Savings Bank National Association | 1 | $570K | 3.0% | 89.19% |
| 10 | Northeast Bank | 1 | $500K | 2.6% | 0.00% |
| 11 | KeyBank National Association | 2 | $385K | 2.0% | 0.00% |
| 12 | Bank of America, National Association | 1 | $300K | 1.6% | 0.00% |
| 13 | Tioga State Bank, National Association | 3 | $283K | 1.5% | 0.00% |
| 14 | Celtic Bank Corporation | 1 | $150K | 0.8% | 82.81% |
| 15 | JPMorgan Chase Bank, National Association | 1 | $71K | 0.4% | 0.00% |
| 16 | Newtek Bank, National Association | 2 | $40K | 0.2% | 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 | 12 | $3.3M | 17.0% |
| 2 | Retail trade | 14 | $2.4M | 12.3% |
| 3 | Manufacturing | 5 | $2.3M | 12.1% |
| 4 | Real estate & leasing | 3 | $2.2M | 11.3% |
| 5 | Construction | 12 | $1.8M | 9.1% |
| 6 | Other services | 9 | $1.7M | 8.6% |
| 7 | Professional & technical services | 9 | $1.5M | 7.9% |
| 8 | Arts, entertainment & recreation | 9 | $1.0M | 5.2% |
| 9 | Transportation & warehousing | 4 | $768K | 4.0% |
| 10 | Wholesale trade | 6 | $635K | 3.3% |
| 11 | Manufacturing | 3 | $476K | 2.5% |
| 12 | Manufacturing | 1 | $405K | 2.1% |
| 13 | Administrative & waste services | 7 | $241K | 1.3% |
| 14 | Agriculture, forestry & fishing | 2 | $226K | 1.2% |
| 15 | Health care & social assistance | 4 | $170K | 0.9% |
| 16 | Retail trade | 2 | $130K | 0.7% |
| 17 | Mining & extraction | 1 | $105K | 0.5% |
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.