SBA 7(a) lenders in Oneida, NY

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

Lenders

48 institutions have SBA 7(a) loans on record in Oneida, together $153.0M across 856 loans. Adirondack Bank is the largest, with 14% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Adirondack Bank	108	$22.0M	14.4%	2.88%
2	Beacon Bank and Trust	207	$21.2M	13.9%	0.90%
3	Manufacturers and Traders Trust Company	266	$21.2M	13.8%	1.65%
4	NBT Bank, National Association	67	$12.4M	8.1%	3.06%
5	Peapack Private Bank and Trust	4	$9.8M	6.4%	0.00%
6	New York Business Development Corporation	19	$9.8M	6.4%	1.52%
7	Community Bank, National Association	51	$6.7M	4.4%	0.54%
8	Newtek Bank, National Association	3	$6.5M	4.2%	0.00%
9	KeyBank National Association	46	$6.0M	3.9%	0.00%
10	Solvay Bank	4	$4.5M	2.9%	0.00%
11	Live Oak Banking Company	4	$4.3M	2.8%	0.00%
12	Citizens Bank, National Association	16	$4.3M	2.8%	0.16%
13	HomeTrust Bank	1	$2.2M	1.4%	0.00%
14	Metro City Bank	1	$2.1M	1.4%	0.00%
15	Celtic Bank Corporation	4	$1.9M	1.3%	0.00%
16	Northeast Bank	11	$1.7M	1.1%	0.00%
17	First National Bank of Pennsylvania	1	$1.6M	1.1%	0.00%
18	Bank of Hope	1	$1.6M	1.0%	0.00%
19	Newtek Small Business Finance, Inc.	4	$1.5M	1.0%	0.00%
20	First Western SBLC, LLC	1	$1.4M	0.9%	0.00%
21	Wells Fargo Bank National Association	2	$1.3M	0.9%	0.00%
22	T Bank, National Association	2	$1.1M	0.7%	0.00%
23	First Bank	1	$1.0M	0.7%	76.34%
24	Quaint Oak Bank	2	$1.0M	0.7%	0.00%
25	Banesco USA	1	$711K	0.5%	0.00%
26	United Midwest Savings Bank National Association	1	$670K	0.4%	0.00%
27	BayFirst National Bank	3	$450K	0.3%	0.00%
28	Northwest Bank	1	$423K	0.3%	0.00%
29	America First Federal Credit Union	1	$405K	0.3%	0.00%
30	Stearns Bank National Association	2	$362K	0.2%	0.00%
31	FinWise Bank	1	$350K	0.2%	0.00%
32	City National Bank	1	$320K	0.2%	0.00%
33	Americu CU	1	$266K	0.2%	0.00%
34	NYBDC Local Development Corporation dba Pursuit Community Finance	2	$250K	0.2%	0.00%
35	Bank of Utica	1	$225K	0.1%	0.00%
36	HSBC Bank USA National Association	2	$200K	0.1%	21.20%
37	Five Star Bank	1	$200K	0.1%	0.00%
38	Savannah Bank National Association	1	$150K	0.1%	0.00%
39	The Huntington National Bank	1	$150K	0.1%	0.00%
40	First Bank of the Lake	1	$150K	0.1%	0.00%
41	Independence Bank	1	$150K	0.1%	0.00%
42	JPMorgan Chase Bank, National Association	1	$141K	0.1%	0.00%
43	Capital One National Association	1	$100K	0.1%	0.00%
44	TD Bank, National Association	1	$90K	0.1%	99.66%
45	Unity Bank	1	$75K	0.0%	92.30%
46	Readycap Lending, LLC	2	$62K	0.0%	0.00%
47	VelocitySBA, LLC	1	$10K	0.0%	0.00%
48	Bank of America, National Association	1	$10K	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	Retail trade	84	$23.6M	15.4%
2	Accommodation & food services	100	$17.5M	11.5%
3	Construction	110	$16.0M	10.5%
4	Manufacturing	25	$12.2M	8.0%
5	Professional & technical services	66	$11.1M	7.3%
6	Wholesale trade	52	$10.4M	6.8%
7	Other services	84	$10.2M	6.7%
8	Finance & insurance	26	$9.9M	6.5%
9	Transportation & warehousing	44	$7.8M	5.1%
10	Health care & social assistance	60	$7.2M	4.7%
11	Retail trade	42	$6.2M	4.0%
12	Manufacturing	26	$4.6M	3.0%
13	Manufacturing	28	$4.3M	2.8%
14	Real estate & leasing	16	$3.9M	2.6%
15	Arts, entertainment & recreation	23	$3.3M	2.2%
16	Administrative & waste services	44	$2.6M	1.7%
17	Information	4	$1.0M	0.7%
18	Educational services	10	$694K	0.5%
19	Agriculture, forestry & fishing	11	$387K	0.3%
20	Transportation & warehousing	1	$16K	0.0%

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.