SBA 7(a) lenders in Tioga, PA
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
20 institutions have SBA 7(a) loans on record in Tioga, together $31.2M across 115 loans. Citizens Bank, National Association is the largest, with 16% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Citizens Bank, National Association | 1 | $5.0M | 16.0% | 0.00% |
| 2 | First Citizens Community Bank | 23 | $5.0M | 16.0% | 0.00% |
| 3 | Citizens & Northern Bank | 44 | $3.9M | 12.4% | 0.00% |
| 4 | Newtek Small Business Finance, Inc. | 1 | $3.1M | 10.1% | 0.00% |
| 5 | Northwest Bank | 11 | $3.1M | 9.9% | 0.00% |
| 6 | First Heritage Federal Credit Union | 10 | $2.5M | 8.1% | 0.00% |
| 7 | Live Oak Banking Company | 2 | $1.8M | 5.8% | 0.00% |
| 8 | Readycap Lending, LLC | 1 | $1.8M | 5.7% | 0.00% |
| 9 | Fulton Bank, National Association | 1 | $1.0M | 3.2% | 0.00% |
| 10 | Byline Bank | 1 | $860K | 2.8% | 0.00% |
| 11 | First National Bank of Pennsylvania | 1 | $700K | 2.2% | 0.00% |
| 12 | Corning FCU | 2 | $622K | 2.0% | 0.00% |
| 13 | First Commonwealth Bank | 1 | $359K | 1.2% | 0.00% |
| 14 | Wells Fargo Bank National Association | 1 | $305K | 1.0% | 0.00% |
| 15 | Five Star Bank | 2 | $279K | 0.9% | 0.00% |
| 16 | Manufacturers and Traders Trust Company | 5 | $255K | 0.8% | 0.00% |
| 17 | Genesee Regional Bank | 1 | $250K | 0.8% | 0.00% |
| 18 | BayFirst National Bank | 2 | $250K | 0.8% | 8.88% |
| 19 | Stearns Bank National Association | 4 | $83K | 0.3% | 0.00% |
| 20 | Bank of America, National Association | 1 | $10K | 0.0% | 61.00% |
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 | Health care & social assistance | 4 | $5.5M | 17.7% |
| 2 | Accommodation & food services | 20 | $5.5M | 17.6% |
| 3 | Construction | 8 | $5.4M | 17.5% |
| 4 | Retail trade | 18 | $4.2M | 13.5% |
| 5 | Retail trade | 4 | $1.9M | 6.1% |
| 6 | Mining & extraction | 6 | $1.8M | 5.8% |
| 7 | Transportation & warehousing | 14 | $1.6M | 5.1% |
| 8 | Other services | 8 | $1.0M | 3.3% |
| 9 | Wholesale trade | 5 | $755K | 2.4% |
| 10 | Arts, entertainment & recreation | 1 | $700K | 2.2% |
| 11 | Information | 2 | $600K | 1.9% |
| 12 | Manufacturing | 2 | $450K | 1.4% |
| 13 | Manufacturing | 5 | $417K | 1.3% |
| 14 | Professional & technical services | 2 | $325K | 1.0% |
| 15 | Real estate & leasing | 3 | $259K | 0.8% |
| 16 | Administrative & waste services | 3 | $246K | 0.8% |
| 17 | Agriculture, forestry & fishing | 7 | $243K | 0.8% |
| 18 | Manufacturing | 2 | $219K | 0.7% |
| 19 | Finance & insurance | 1 | $10K | 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.