County58th of 88 in Ohio by approvalsFIPS 39015
SBA loans in Brown County, Ohio
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 30 loans to businesses in Brown County, Ohio, in FY2021 to FY2025, worth $13.6M: 29 under 7(a) and 1 under 504.
That is 53.5 approvals per 1,000 business establishments (561 establishments in 2023), below the Ohio figure of 72.3 and above the national 41.0.
It ranks 58th of 88 Ohio counties with approvals. In FY2025 there were 10.
15 lenders had approvals here; the most active were The Huntington National Bank (5), U.S. Bank, National Association (5) and Live Oak Banking Company (3). The most common industry was general freight trucking.
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 Brown County
By number of approvals to businesses in the county, FY2021–FY2025; 15 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 5 | $388K | 16.7% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 5 | $183K | 16.7% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 3 | $3.0M | 10.0% | |
| 4 | First Commonwealth BankIndiana, PA | 2 | — | 6.7% | |
| 5 | RiverHills BankMilford, OH | 2 | — | 6.7% | |
| 6 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 6.7% | |
| 7 | University BankAnn Arbor, MI | 2 | — | 6.7% | |
| 8 | KeyBank National AssociationCleveland, OH | 2 | — | 6.7% | |
| 9 | Truist BankCharlotte, NC | 1 | — | 3.3% | |
| 10 | Community Trust Bank, Inc.Pikeville, KY | 1 | — | 3.3% | |
| 11 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 1 | — | 3.3% | |
| 12 | Peoples BankMarietta, OH | 1 | — | 3.3% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 1 | — | 3.3% | |
| 14 | Fifth Third BankCincinnati, OH | 1 | — | 3.3% | |
| 15 | PNC Bank, National AssociationWilmington, DE | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 5 | 16.7% | |
| 2 | Health and Personal Care RetailersNAICS 4561 | 2 | 6.7% | |
| 3 | Health and Personal Care StoresNAICS 4461 | 2 | 6.7% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 6.7% | |
| 5 | Building Material and Supplies DealersNAICS 4441 | 2 | 6.7% | |
| 6 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 2 | 6.7% | |
| 7 | Water, Sewage and Other SystemsNAICS 2213 | 2 | 6.7% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 6.7% | |
| 9 | Lumber and Other Construction Materials Merchant WholesalersNAICS 4233 | 1 | 3.3% | |
| 10 | Offices of PhysiciansNAICS 6211 | 1 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 6 | 20.0% | |
| 2 | Transportation and Warehousing | 5 | 16.7% | |
| 3 | Other Services (except Public Administration) | 3 | 10.0% | |
| 4 | Construction | 3 | 10.0% | |
| 5 | Wholesale Trade | 2 | 6.7% | |
| 6 | Accommodation and Food Services | 2 | 6.7% | |
| 7 | Health Care and Social Assistance | 2 | 6.7% | |
| 8 | Professional, Scientific, and Technical Services | 2 | 6.7% |
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* | 3 | $1.6M | $416K | 0 | — | 3 | 26 |
| FY2025 | 10 | $2.2M | $73K | 0 | — | 10 | 57 |
| FY2024 | 6 | $3.0M | $125K | 1 | — | 7 | 60 |
| FY2023 | 2 | — | — | 0 | — | 2 | 15 |
| FY2022 | 6 | $2.1M | $183K | 0 | — | 6 | 28 |
| FY2021 | 5 | $2.1M | $137K | 0 | — | 5 | 34 |
| FY2020 | 5 | $318K | $30K | 0 | — | 5 | 36 |
| FY2019 | 7 | $834K | $30K | 0 | — | 7 | 18 |
| FY2018 | 4 | $411K | $38K | 0 | — | 4 | 31 |
| FY2017 | 1 | — | — | 0 | — | 1 | 0 |
| FY2016 | 2 | — | — | 0 | — | 2 | 21 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 19 approvals.
Against Ohio and the country
| FY2021–FY2025 | Brown County | Ohio | United States |
|---|---|---|---|
| Approvals | 30 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 53.5 | 72.3 | 41.0 |
| Median 7(a) approval | $137K | $99K | $190K |
| Median 504 approval | — | $496K | $657K |
| Average approval | $454K | $336K | $573K |
| 504 share of approvals | 3.3% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 6.5 | 8.1 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less40.0%12
- $50,001 to $150,00013.3%4
- $150,001 to $350,00013.3%4
- $350,001 to $1 million16.7%5
- $1 million to $2 million13.3%4
- Over $2 million3.3%1
Age of the businesses
- Existing, more than 2 years old43.3%13
- New business, 2 years or less23.3%7
- Startup, loan funds will open the business10.0%3
- Change of ownership20.0%6
- Not answered3.3%1
Questions and answers
Which lenders make the most SBA loans in Brown County?
By approvals in FY2021 to FY2025: The Huntington National Bank (5), U.S. Bank, National Association (5), Live Oak Banking Company (3), First Commonwealth Bank (2), RiverHills Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Brown County?
The median 7(a) approval was $137K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Brown County?
General Freight Trucking (5); Health and Personal Care Retailers (2); Health and Personal Care Stores (2); Restaurants and Other Eating Places (2); Building Material and Supplies Dealers (2).
Is SBA lending in Brown County rising?
Approvals in the three latest complete fiscal years total 19, against 16 in the three before: rising (+19%).
How does Brown County compare with the rest of Ohio?
53.5 approvals per 1,000 establishments against 72.3 statewide, and 30 of the state's 18,439 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