SBA 7(a) lenders in Saint Lawrence, NY

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

Lenders

25 institutions have SBA 7(a) loans on record in Saint Lawrence, together $31.5M across 120 loans. KeyBank National Association is the largest, with 13% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	KeyBank National Association	16	$4.2M	13.2%	1.88%
2	Community Bank, National Association	42	$4.0M	12.6%	7.32%
3	NBT Bank, National Association	25	$3.3M	10.4%	5.82%
4	Newtek Bank, National Association	1	$3.1M	9.9%	0.00%
5	First National Bank of Coffee County	1	$3.1M	9.9%	0.00%
6	New York Business Development Corporation	7	$3.1M	9.9%	0.00%
7	Newtek Small Business Finance, Inc.	1	$2.5M	7.9%	0.00%
8	Metro City Bank	1	$1.5M	4.9%	0.00%
9	Beacon Bank and Trust	1	$1.2M	3.7%	0.00%
10	First Bank	1	$1.1M	3.6%	0.00%
11	Live Oak Banking Company	1	$1.0M	3.2%	0.00%
12	BCB Community Bank	1	$738K	2.3%	0.00%
13	SeaComm Federal Credit Union	4	$506K	1.6%	0.00%
14	Manufacturers and Traders Trust Company	4	$500K	1.6%	0.00%
15	Patriot Bank, National Association	1	$408K	1.3%	0.00%
16	Stearns Bank National Association	1	$350K	1.1%	0.00%
17	United Midwest Savings Bank National Association	1	$275K	0.9%	0.00%
18	NYBDC Local Development Corporation dba Pursuit Community Finance	1	$250K	0.8%	0.00%
19	Independence Bank	1	$150K	0.5%	0.00%
20	Watertown Savings Bank	3	$110K	0.3%	39.29%
21	The Upstate National Bank	1	$50K	0.2%	0.00%
22	TD Bank, National Association	1	$35K	0.1%	0.00%
23	St Lawrence Federal Credit Union	1	$30K	0.1%	0.00%
24	VelocitySBA, LLC	2	$23K	0.1%	12.86%
25	U.S. Bank, National Association	1	$13K	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	Accommodation & food services	29	$10.1M	32.2%
2	Manufacturing	3	$3.9M	12.5%
3	Manufacturing	4	$3.2M	10.3%
4	Wholesale trade	2	$3.0M	9.7%
5	Retail trade	14	$2.2M	6.9%
6	Administrative & waste services	7	$1.9M	6.1%
7	Construction	12	$1.9M	6.0%
8	Other services	8	$1.2M	3.7%
9	Real estate & leasing	5	$1.0M	3.3%
10	Health care & social assistance	7	$696K	2.2%
11	Retail trade	9	$659K	2.1%
12	Manufacturing	5	$530K	1.7%
13	Arts, entertainment & recreation	6	$451K	1.4%
14	Professional & technical services	5	$342K	1.1%
15	Transportation & warehousing	2	$188K	0.6%
16	Agriculture, forestry & fishing	1	$50K	0.2%
17	Information	1	$20K	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.