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County48th of 62 in New York by approvalsFIPS 36089
SBA loans in St. Lawrence 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.
Businesses in St. Lawrence County, New York, received 30 SBA loan approvals worth $12.6M in FY2021 to FY2025 (28 7(a), 2 504).
That is 16.4 approvals per 1,000 business establishments (1,826 establishments in 2023), below the New York figure of 38.1 and below the national 41.0.
It ranks 48th of 62 New York counties with approvals. In FY2025 there were 8.
15 lenders had approvals here; the most active were Community Bank, National Association (8), KeyBank National Association (6) and NBT Bank, National Association (3). The most common industry was restaurants and other eating places.
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 St. Lawrence County
By number of approvals to businesses in the county, FY2021–FY2025; 15 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Community Bank, National AssociationCanton, NY | 8 | $1.2M | 26.7% | |
| 2 | KeyBank National AssociationCleveland, OH | 6 | $200K | 20.0% | |
| 3 | NBT Bank, National AssociationNorwich, NY | 3 | $656K | 10.0% | |
| 4 | SeaComm Federal Credit UnionMassena, NY | 2 | — | 6.7% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 1 | — | 3.3% | |
| 6 | First National Bank of Coffee CountyDouglas, GA | 1 | — | 3.3% | |
| 7 | Metro City BankDoraville, GA | 1 | — | 3.3% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 1 | — | 3.3% | |
| 9 | Patriot Bank, National AssociationStamford, CT | 1 | — | 3.3% | |
| 10 | Empire State Certified Development CorporationLatham, NY · CDC | 1 | — | 3.3% | |
| 11 | Stearns Bank National AssociationSaint Cloud, MN | 1 | — | 3.3% | |
| 12 | Greater Syracuse Business Development CorporationSyracuse, NY · CDC | 1 | — | 3.3% | |
| 13 | TD Bank, National AssociationWilmington, DE | 1 | — | 3.3% | |
| 14 | St Lawrence Federal Credit UnionOgdensburg, NY | 1 | — | 3.3% | |
| 15 | U.S. Bank, National AssociationCincinnati, OH | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 26.7% | |
| 2 | Remediation and Other Waste Management ServicesNAICS 5629 | 3 | 10.0% | |
| 3 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 6.7% | |
| 4 | Lessors of Real EstateNAICS 5311 | 2 | 6.7% | |
| 5 | Gasoline StationsNAICS 4571 | 2 | 6.7% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 6.7% | |
| 7 | Medical Equipment and Supplies ManufacturingNAICS 3391 | 1 | 3.3% | |
| 8 | Other Wood Product ManufacturingNAICS 3219 | 1 | 3.3% | |
| 9 | Traveler AccommodationNAICS 7211 | 1 | 3.3% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 1 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 11 | 36.7% | |
| 2 | Retail Trade | 5 | 16.7% | |
| 3 | Real Estate and Rental and Leasing | 3 | 10.0% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 3 | 10.0% | |
| 5 | Manufacturing | 2 | 6.7% | |
| 6 | Arts, Entertainment, and Recreation | 2 | 6.7% | |
| 7 | Other Services (except Public Administration) | 1 | 3.3% | |
| 8 | Construction | 1 | 3.3% |
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* | 2 | — | — | 1 | — | 3 | 25 |
| FY2025 | 7 | $6.4M | $480K | 1 | — | 8 | 56 |
| FY2024 | 4 | $3.4M | $148K | 1 | — | 5 | 21 |
| FY2023 | 8 | $1.1M | $129K | 0 | — | 8 | 55 |
| FY2022 | 2 | — | — | 0 | — | 2 | 9 |
| FY2021 | 7 | $823K | $68K | 0 | — | 7 | 35 |
| FY2020 | 2 | — | — | 0 | — | 2 | 110 |
| FY2019 | 3 | $275K | $75K | 0 | — | 3 | 10 |
| FY2018 | 4 | $1.8M | $318K | 0 | — | 4 | 78 |
| FY2017 | 4 | $1.3M | $64K | 0 | — | 4 | 23 |
| FY2016 | 8 | $3.5M | $77K | 1 | — | 9 | 108 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 22 approvals.
Against New York and the country
| FY2021–FY2025 | St. Lawrence County | New York | United States |
|---|---|---|---|
| Approvals | 30 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 16.4 | 38.1 | 41.0 |
| Median 7(a) approval | $129K | $130K | $190K |
| Median 504 approval | — | $685K | $657K |
| Average approval | $419K | $414K | $573K |
| 504 share of approvals | 6.7% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 5.9 | 8.0 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less36.7%11
- $50,001 to $150,00016.7%5
- $150,001 to $350,00023.3%7
- $350,001 to $1 million13.3%4
- $1 million to $2 million3.3%1
- Over $2 million6.7%2
Age of the businesses
- Existing, more than 2 years old13.3%4
- New business, 2 years or less33.3%10
- Startup, loan funds will open the business33.3%10
- Change of ownership20.0%6
Questions and answers
Which lenders make the most SBA loans in St. Lawrence County?
By approvals in FY2021 to FY2025: Community Bank, National Association (8), KeyBank National Association (6), NBT Bank, National Association (3), SeaComm Federal Credit Union (2), Newtek Bank, National Association (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in St. Lawrence County?
The median 7(a) approval was $129K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in St. Lawrence County?
Restaurants and Other Eating Places (8); Remediation and Other Waste Management Services (3); RV (Recreational Vehicle) Parks and Recreational Camps (2); Lessors of Real Estate (2); Gasoline Stations (2).
Is SBA lending in St. Lawrence County rising?
Approvals in the three latest complete fiscal years total 21, against 11 in the three before: rising (+91%).
How does St. Lawrence County compare with the rest of New York?
16.4 approvals per 1,000 establishments against 38.1 statewide, and 30 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