SBA 7(a) lenders in Shelby, TN

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

Lenders

139 institutions have SBA 7(a) loans on record in Shelby, together $781.0M across 1,475 loans. Pinnacle Bank is the largest, with 13% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Pinnacle Bank	108	$103.0M	13.2%	0.35%
2	Simmons Bank	106	$53.6M	6.9%	3.49%
3	Live Oak Banking Company	34	$37.0M	4.7%	0.31%
4	The Huntington National Bank	67	$29.3M	3.8%	0.37%
5	First Horizon Bank	20	$28.2M	3.6%	0.00%
6	Celtic Bank Corporation	38	$24.9M	3.2%	2.16%
7	Guaranty Bank and Trust Company	47	$24.5M	3.1%	5.82%
8	Truist Bank	36	$24.4M	3.1%	0.45%
9	Wells Fargo Bank National Association	75	$23.1M	3.0%	1.52%
10	Paragon Bank	35	$23.0M	2.9%	1.11%
11	Ameris Bank	15	$20.4M	2.6%	3.36%
12	Renasant Bank	28	$19.5M	2.5%	0.17%
13	Regions Bank	33	$19.5M	2.5%	0.51%
14	Metro City Bank	20	$17.5M	2.2%	0.00%
15	Peoples Bank	4	$13.2M	1.7%	0.00%
16	U.S. Bank, National Association	24	$12.1M	1.6%	0.08%
17	Evolve Bank and Trust	11	$12.1M	1.5%	0.00%
18	Newtek Small Business Finance, Inc.	24	$12.0M	1.5%	1.06%
19	Citizens Bank	13	$10.3M	1.3%	0.00%
20	Trustmark Bank	30	$10.0M	1.3%	0.15%
21	Brighton Bank	11	$9.6M	1.2%	1.95%
22	Bank of Bartlett	18	$9.4M	1.2%	0.00%
23	Byline Bank	11	$9.3M	1.2%	0.00%
24	Newtek Bank, National Association	34	$9.1M	1.2%	0.00%
25	PromiseOne Bank	8	$8.9M	1.1%	0.00%
26	Bank3	7	$8.5M	1.1%	0.00%
27	United Community Bank	8	$8.1M	1.0%	0.00%
28	Beacon Bank and Trust	4	$7.6M	1.0%	0.00%
29	BayFirst National Bank	40	$7.3M	0.9%	7.99%
30	The Bancorp Bank National Association	7	$6.4M	0.8%	0.00%
31	Columbia Bank	30	$6.2M	0.8%	4.84%
32	Trust Company Bank	5	$6.1M	0.8%	0.19%
33	Readycap Lending, LLC	33	$5.6M	0.7%	14.35%
34	Customers Bank	2	$5.4M	0.7%	0.00%
35	Northeast Bank	39	$5.0M	0.6%	0.00%
36	Shoreham Bank	1	$5.0M	0.6%	0.00%
37	Farmers State Bank of Alto Pass, Illinois	1	$5.0M	0.6%	0.00%
38	First Business Bank	2	$4.6M	0.6%	0.00%
39	Enterprise Bank & Trust	2	$4.5M	0.6%	0.00%
40	Bank of America, National Association	23	$4.4M	0.6%	0.78%
41	FinWise Bank	3	$4.0M	0.5%	0.00%
42	ACC Capital	7	$4.0M	0.5%	0.00%
43	Decatur County Bank	7	$3.8M	0.5%	0.00%
44	Federal Deposit Insurance Corporation	3	$3.6M	0.5%	43.39%
45	United Midwest Savings Bank National Association	22	$3.5M	0.4%	7.91%
46	ConnectOne Bank	2	$3.5M	0.4%	0.00%
47	PNC Bank, National Association	4	$3.4M	0.4%	0.00%
48	Gulf Coast Bank and Trust Company	3	$3.2M	0.4%	0.00%
49	US Metro Bank	1	$3.1M	0.4%	0.00%
50	The Bank of Edison	1	$2.9M	0.4%	0.00%
51	Independent Bank	2	$2.7M	0.3%	0.00%
52	Grow America Fund, Incorporated	6	$2.6M	0.3%	0.00%
53	T Bank, National Association	2	$2.5M	0.3%	0.00%
54	BankFirst Financial Services	7	$2.5M	0.3%	0.00%
55	Stearns Bank National Association	7	$2.5M	0.3%	0.00%
56	TowneBank	3	$2.4M	0.3%	0.00%
57	BankUnited, National Association	2	$2.3M	0.3%	0.00%
58	Wilmington Savings Fund Society FSB	2	$2.3M	0.3%	0.00%
59	American Bank	1	$2.3M	0.3%	0.00%
60	Bank of Hope	12	$2.3M	0.3%	3.08%
61	Lincoln Savings Bank	1	$2.3M	0.3%	0.00%
62	First Bank	2	$2.2M	0.3%	12.38%
63	First Bank of the Lake	5	$2.2M	0.3%	0.00%
64	Old National Bank	6	$2.1M	0.3%	0.00%
65	Community Bank of Mississippi	11	$2.1M	0.3%	0.00%
66	Cedar Rapids Bank and Trust Company	1	$2.0M	0.3%	0.00%
67	First National Bank of Coffee County	2	$2.0M	0.3%	0.00%
68	Open Bank	1	$1.9M	0.2%	0.00%
69	Texas Capital Bank	1	$1.9M	0.2%	0.00%
70	Genesis Bank	2	$1.8M	0.2%	0.00%
71	GBank	1	$1.8M	0.2%	0.00%
72	First Commonwealth Bank	1	$1.6M	0.2%	0.00%
73	First Financial Bank	1	$1.5M	0.2%	0.00%
74	Story Bank d/b/a Story Financial Partners	2	$1.5M	0.2%	0.00%
75	Community West Bank	5	$1.5M	0.2%	33.01%
76	VelocitySBA, LLC	164	$1.4M	0.2%	19.38%
77	Studio Bank	1	$1.4M	0.2%	0.00%
78	First National Bank of Pennsylvania	3	$1.3M	0.2%	0.00%
79	IncredibleBank	1	$1.3M	0.2%	0.00%
80	First Internet Bank of Indiana	3	$1.2M	0.2%	0.00%
81	Grasshopper Bank National Association	2	$1.2M	0.1%	0.00%
82	BankPlus	4	$1.1M	0.1%	0.00%
83	Planters Bank and Trust Company	2	$1.1M	0.1%	0.00%
84	The Park National Bank	6	$1.1M	0.1%	0.00%
85	Hope FCU	7	$1.1M	0.1%	10.10%
86	Commercial Bank and Trust Company	1	$1.1M	0.1%	0.00%
87	Fifth Third Bank	2	$1.1M	0.1%	0.00%
88	JPMorgan Chase Bank, National Association	4	$1.1M	0.1%	59.37%
89	Southern Bancorp Bank	3	$990K	0.1%	0.00%
90	The Citizens National Bank of Meridian	4	$986K	0.1%	0.00%
91	Seacoast National Bank	3	$975K	0.1%	27.15%
92	McKenzie Banking Company, A Division of Foundation Bank	3	$912K	0.1%	0.00%
93	First-Citizens Bank & Trust Company	1	$895K	0.1%	0.00%
94	The Bank of Missouri	2	$860K	0.1%	0.00%
95	Happen Bank	1	$839K	0.1%	0.00%
96	Titan Bank, National Association	1	$826K	0.1%	0.00%
97	Fund-Ex Solutions Group, LLC	1	$812K	0.1%	0.00%
98	First Financial Bank, National Association	1	$785K	0.1%	0.00%
99	Red River Bank	1	$730K	0.1%	0.00%
100	CRF Small Business Loan Company, LLC	2	$705K	0.1%	0.00%
101	Bank of St. Francisville	1	$700K	0.1%	0.00%
102	SouthState Bank, National Association	2	$680K	0.1%	0.00%
103	Hanmi Bank	2	$652K	0.1%	0.00%
104	Optus Bank	3	$628K	0.1%	0.00%
105	First Bank	2	$619K	0.1%	0.00%
106	Bank Five Nine	4	$551K	0.1%	0.00%
107	PCB Bank	1	$550K	0.1%	0.00%
108	Encore Bank	3	$535K	0.1%	0.00%
109	North State Bank	1	$504K	0.1%	0.00%
110	Capital Bank, National Association	1	$500K	0.1%	0.00%
111	Independence Bank	5	$495K	0.1%	33.23%
112	Zions Bank, A Division of	1	$477K	0.1%	0.00%
113	INSOUTH Bank	1	$450K	0.1%	0.00%
114	Oconee State Bank	1	$402K	0.1%	0.00%
115	BankTennessee	1	$400K	0.1%	0.00%
116	Preferred Capital BIDCO, Inc.	1	$368K	0.0%	0.00%
117	Arvest Bank	1	$350K	0.0%	0.00%
118	Hancock Whitney Bank	1	$350K	0.0%	0.00%
119	Harvest Small Business Finance, LLC	1	$343K	0.0%	0.00%
120	CenTrust Bank, A Division of SmartBiz Bank National Association	3	$334K	0.0%	0.00%
121	Lendistry SBLC, LLC	3	$327K	0.0%	0.00%
122	Apex Bank	1	$325K	0.0%	0.00%
123	Third Coast Bank	1	$308K	0.0%	0.00%
124	Bank of Belleville	1	$308K	0.0%	0.00%
125	UniBank	1	$306K	0.0%	0.00%
126	Legends Bank	1	$302K	0.0%	0.00%
127	America First Federal Credit Union	1	$290K	0.0%	0.00%
128	Centennial Bank	1	$267K	0.0%	0.00%
129	Western State Bank	1	$256K	0.0%	0.00%
130	PrinsBank	1	$220K	0.0%	0.00%
131	Carver State Bank	2	$215K	0.0%	75.18%
132	Colony Bank	1	$150K	0.0%	0.00%
133	Magnifi Financial CU	1	$150K	0.0%	0.00%
134	Community Development Transportation Lending Services, Inc.	1	$150K	0.0%	95.02%
135	Capital One National Association	2	$125K	0.0%	39.54%
136	Orion Federal Credit Union	1	$119K	0.0%	77.02%
137	Centennial Bank	1	$105K	0.0%	0.00%
138	SoFi Bank, National Association	1	$100K	0.0%	69.30%
139	Tennessee Business & Industrial Development Corpor	1	$40K	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	223	$169.1M	21.6%
2	Retail trade	149	$95.3M	12.2%
3	Health care & social assistance	148	$91.4M	11.7%
4	Other services	159	$65.7M	8.4%
5	Professional & technical services	128	$60.1M	7.7%
6	Construction	105	$43.4M	5.6%
7	Wholesale trade	63	$40.6M	5.2%
8	Transportation & warehousing	65	$36.5M	4.7%
9	Administrative & waste services	105	$34.7M	4.4%
10	Arts, entertainment & recreation	61	$26.4M	3.4%
11	Retail trade	69	$26.3M	3.4%
12	Real estate & leasing	32	$18.1M	2.3%
13	Finance & insurance	36	$15.8M	2.0%
14	Manufacturing	34	$14.8M	1.9%
15	Educational services	25	$13.7M	1.8%
16	Manufacturing	34	$11.6M	1.5%
17	Manufacturing	13	$6.4M	0.8%
18	Information	17	$6.4M	0.8%
19	Transportation & warehousing	6	$2.8M	0.4%
20	Agriculture, forestry & fishing	2	$1.8M	0.2%
21	Public administration	1	$50K	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.