SBA 7(a) lenders in Tioga, NY
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
19 institutions have SBA 7(a) loans on record in Tioga, together $21.7M across 124 loans. Manufacturers and Traders Trust Company is the largest, with 22% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 63 | $4.8M | 21.9% | 3.45% |
| 2 | New York Business Development Corporation | 3 | $3.3M | 15.1% | 0.00% |
| 3 | Celtic Bank Corporation | 1 | $3.2M | 14.8% | 0.00% |
| 4 | KeyBank National Association | 6 | $2.6M | 12.0% | 0.00% |
| 5 | Chemung Canal Trust Company | 7 | $1.8M | 8.2% | 0.00% |
| 6 | Live Oak Banking Company | 1 | $1.5M | 6.9% | 0.00% |
| 7 | Tioga State Bank, National Association | 13 | $1.2M | 5.3% | 0.00% |
| 8 | NBT Bank, National Association | 10 | $651K | 3.0% | 9.59% |
| 9 | Newtek Bank, National Association | 2 | $525K | 2.4% | 0.00% |
| 10 | Citizens & Northern Bank | 3 | $434K | 2.0% | 0.00% |
| 11 | Corning FCU | 3 | $420K | 1.9% | 0.00% |
| 12 | First Citizens Community Bank | 1 | $415K | 1.9% | 0.00% |
| 13 | Community Bank, National Association | 3 | $310K | 1.4% | 0.00% |
| 14 | BayFirst National Bank | 2 | $273K | 1.3% | 0.00% |
| 15 | Independence Bank | 1 | $150K | 0.7% | 82.61% |
| 16 | Northeast Bank | 1 | $150K | 0.7% | 0.00% |
| 17 | Citizens Bank, National Association | 2 | $39K | 0.2% | 0.00% |
| 18 | Bank of America, National Association | 1 | $35K | 0.2% | 100.00% |
| 19 | Tompkins Community Bank | 1 | $13K | 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 | 25 | $5.6M | 25.6% |
| 2 | Wholesale trade | 8 | $3.5M | 16.0% |
| 3 | Manufacturing | 3 | $2.4M | 10.9% |
| 4 | Construction | 24 | $2.1M | 9.8% |
| 5 | Other services | 7 | $1.8M | 8.1% |
| 6 | Arts, entertainment & recreation | 4 | $1.4M | 6.3% |
| 7 | Retail trade | 13 | $1.2M | 5.4% |
| 8 | Transportation & warehousing | 12 | $995K | 4.6% |
| 9 | Retail trade | 8 | $809K | 3.7% |
| 10 | Real estate & leasing | 5 | $656K | 3.0% |
| 11 | Agriculture, forestry & fishing | 2 | $530K | 2.4% |
| 12 | Manufacturing | 4 | $280K | 1.3% |
| 13 | Information | 1 | $200K | 0.9% |
| 14 | Health care & social assistance | 2 | $164K | 0.8% |
| 15 | Professional & technical services | 3 | $120K | 0.6% |
| 16 | Manufacturing | 2 | $90K | 0.4% |
| 17 | Administrative & waste services | 1 | $35K | 0.2% |
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.