SBA 7(a) lenders in Saint Croix, VI
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
18 institutions have SBA 7(a) loans on record in Saint Croix, together $56.2M across 97 loans. Metro City Bank is the largest, with 25% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Metro City Bank | 3 | $14.0M | 24.9% | 0.00% |
| 2 | FDIC - Community Bank & Trust-West Georgia | 3 | $9.2M | 16.3% | 0.00% |
| 3 | Touchmark National Bank | 3 | $6.5M | 11.6% | 0.00% |
| 4 | Stone Bank | 3 | $5.9M | 10.5% | 0.00% |
| 5 | Byline Bank | 5 | $5.5M | 9.8% | 0.00% |
| 6 | Live Oak Banking Company | 3 | $4.5M | 7.9% | 0.00% |
| 7 | Banco Popular de Puerto Rico | 9 | $3.0M | 5.3% | 0.00% |
| 8 | FirstBank Puerto Rico | 9 | $1.4M | 2.5% | 0.00% |
| 9 | Columbia Bank | 27 | $1.2M | 2.2% | 20.38% |
| 10 | Independence Bank | 4 | $880K | 1.6% | 15.10% |
| 11 | Cogent Bank | 1 | $717K | 1.3% | 0.00% |
| 12 | Celtic Bank Corporation | 7 | $660K | 1.2% | 0.00% |
| 13 | Oriental Bank | 8 | $654K | 1.2% | 0.00% |
| 14 | Merchants Commercial Bank | 2 | $650K | 1.2% | 0.00% |
| 15 | Northeast Bank | 7 | $610K | 1.1% | 0.00% |
| 16 | United Fidelity Bank, FSB | 1 | $420K | 0.7% | 0.00% |
| 17 | Truliant FCU | 1 | $395K | 0.7% | 0.00% |
| 18 | Wells Fargo Bank National Association | 1 | $20K | 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 | 13 | $9.7M | 17.2% |
| 2 | Health care & social assistance | 10 | $9.4M | 16.8% |
| 3 | Construction | 12 | $5.7M | 10.2% |
| 4 | Transportation & warehousing | 5 | $5.1M | 9.1% |
| 5 | Manufacturing | 3 | $5.1M | 9.1% |
| 6 | Retail trade | 6 | $4.3M | 7.6% |
| 7 | Accommodation & food services | 11 | $4.1M | 7.4% |
| 8 | Professional & technical services | 6 | $3.1M | 5.6% |
| 9 | Manufacturing | 2 | $3.0M | 5.3% |
| 10 | Arts, entertainment & recreation | 2 | $2.1M | 3.8% |
| 11 | Wholesale trade | 3 | $1.9M | 3.4% |
| 12 | Real estate & leasing | 5 | $967K | 1.7% |
| 13 | Other services | 6 | $612K | 1.1% |
| 14 | Administrative & waste services | 7 | $580K | 1.0% |
| 15 | Agriculture, forestry & fishing | 1 | $165K | 0.3% |
| 16 | Manufacturing | 2 | $100K | 0.2% |
| 17 | Information | 2 | $65K | 0.1% |
| 18 | Educational services | 1 | $50K | 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.