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County18th of 62 in New York by approvalsFIPS 36065
SBA loans in Oneida County, New York
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 164 loans to businesses in Oneida County, New York, in FY2021 to FY2025, worth $53.9M: 155 under 7(a) and 9 under 504.
That is 34.8 approvals per 1,000 business establishments (4,713 establishments in 2023), close to the New York figure of 38.1 and below the national 41.0.
It ranks 18th of 62 New York counties with approvals. In FY2025 there were 39, up 30% on FY2024.
24 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (75), KeyBank National Association (15) and NBT Bank, National Association (13). The most common industry was beer, wine, and liquor stores.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Oneida County
By number of approvals to businesses in the county, FY2021–FY2025; 24 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 75 | $5.5M | 45.7% | |
| 2 | KeyBank National AssociationCleveland, OH | 15 | $2.6M | 9.1% | |
| 3 | NBT Bank, National AssociationNorwich, NY | 13 | $3.3M | 7.9% | |
| 4 | Beacon Bank and TrustBrookline, MA | 10 | $5.5M | 6.1% | |
| 5 | Empire State Certified Development CorporationLatham, NY · CDC | 8 | $4.3M | 4.9% | |
| 6 | Northeast BankLewiston, ME | 7 | $425K | 4.3% | |
| 7 | Newtek Small Business Finance, Inc.Lake Success, NY | 4 | $1.5M | 2.4% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 3 | $6.5M | 1.8% | |
| 9 | Peapack Private Bank and TrustBedminster, NJ | 3 | $4.9M | 1.8% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 3 | $3.4M | 1.8% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 3 | $450K | 1.8% | |
| 12 | Solvay BankSolvay, NY | 2 | — | 1.2% | |
| 13 | Citizens Bank, National AssociationProvidence, RI | 2 | — | 1.2% | |
| 14 | T Bank, National AssociationDallas, TX | 2 | — | 1.2% | |
| 15 | Quaint Oak BankSouthampton, PA | 2 | — | 1.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Beer, Wine, and Liquor StoresNAICS 4453 | 9 | 5.5% | |
| 2 | General Freight TruckingNAICS 4841 | 9 | 5.5% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 8 | 4.9% | |
| 4 | Grocery StoresNAICS 4451 | 7 | 4.3% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 4.3% | |
| 6 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 4.3% | |
| 7 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 5 | 3.0% | |
| 8 | Residential Building ConstructionNAICS 2361 | 5 | 3.0% | |
| 9 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 5 | 3.0% | |
| 10 | Offices of PhysiciansNAICS 6211 | 5 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 30 | 18.3% | |
| 2 | Construction | 19 | 11.6% | |
| 3 | Health Care and Social Assistance | 18 | 11.0% | |
| 4 | Accommodation and Food Services | 15 | 9.1% | |
| 5 | Other Services (except Public Administration) | 14 | 8.5% | |
| 6 | Transportation and Warehousing | 12 | 7.3% | |
| 7 | Wholesale Trade | 11 | 6.7% | |
| 8 | Manufacturing | 10 | 6.1% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 18 | $6.2M | $85K | 2 | — | 20 | 157 |
| FY2025 | 39 | $19.7M | $60K | 0 | — | 39 | 412 |
| FY2024 | 30 | $6.0M | $100K | 0 | — | 30 | 237 |
| FY2023 | 35 | $9.0M | $52K | 5 | $2.4M | 40 | 421 |
| FY2022 | 28 | $5.3M | $50K | 1 | — | 29 | 188 |
| FY2021 | 23 | $9.1M | $107K | 3 | $798K | 26 | 342 |
| FY2020 | 10 | $1.2M | $35K | 1 | — | 11 | 22 |
| FY2019 | 31 | $10.0M | $50K | 1 | — | 32 | 294 |
| FY2018 | 46 | $10.0M | $50K | 1 | — | 47 | 282 |
| FY2017 | 74 | $9.5M | $37K | 3 | $1.7M | 77 | 227 |
| FY2016 | 102 | $7.4M | $50K | 2 | — | 104 | 371 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 271 approvals.
Against New York and the country
| FY2021–FY2025 | Oneida County | New York | United States |
|---|---|---|---|
| Approvals | 164 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 34.8 | 38.1 | 41.0 |
| Median 7(a) approval | $60K | $130K | $190K |
| Median 504 approval | $514K | $685K | $657K |
| Average approval | $329K | $414K | $573K |
| 504 share of approvals | 5.5% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 9.8 | 8.0 | 10.5 |
| Share of state approvals | 0.8% | 100.0% | — |
Approval sizes
- $50,000 or less42.1%69
- $50,001 to $150,00025.0%41
- $150,001 to $350,00014.6%24
- $350,001 to $1 million11.6%19
- $1 million to $2 million3.0%5
- Over $2 million3.7%6
Age of the businesses
- Existing, more than 2 years old57.9%95
- New business, 2 years or less15.9%26
- Startup, loan funds will open the business12.8%21
- Change of ownership13.4%22
Questions and answers
Which lenders make the most SBA loans in Oneida County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (75), KeyBank National Association (15), NBT Bank, National Association (13), Beacon Bank and Trust (10), Empire State Certified Development Corporation (8). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Oneida County?
The median 7(a) approval was $60K and the median 504 approval $514K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Oneida County?
Beer, Wine, and Liquor Stores (9); General Freight Trucking (9); Automotive Repair and Maintenance (8); Grocery Stores (7); Other Specialty Trade Contractors (7).
Is SBA lending in Oneida County rising?
Approvals in the three latest complete fiscal years total 109, against 66 in the three before: rising (+65%).
How does Oneida County compare with the rest of New York?
34.8 approvals per 1,000 establishments against 38.1 statewide, and 164 of the state's 20,639 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error