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County24th of 88 in Ohio by approvalsFIPS 39029
SBA loans in Columbiana 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.
Businesses in Columbiana County, Ohio, received 192 SBA loan approvals worth $41.5M in FY2021 to FY2025 (186 7(a), 6 504).
That is 100.7 approvals per 1,000 business establishments (1,907 establishments in 2023), above the Ohio figure of 72.3 and above the national 41.0.
It ranks 24th of 88 Ohio counties with approvals. In FY2025 there were 39, down 17% on FY2024.
19 lenders had approvals here; the most active were The Huntington National Bank (139), Consumers National Bank (13) and Valley Economic Development Partners, Inc. (6). 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 Columbiana County
By number of approvals to businesses in the county, FY2021–FY2025; 19 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 139 | $10.9M | 72.4% | |
| 2 | Consumers National BankMinerva, OH | 13 | $2.1M | 6.8% | |
| 3 | Valley Economic Development Partners, Inc.Youngstown, OH · CDC | 6 | $2.0M | 3.1% | |
| 4 | First Commonwealth BankIndiana, PA | 6 | $1.9M | 3.1% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 5 | $4.7M | 2.6% | |
| 6 | WesBanco Bank, Inc.Wheeling, WV | 4 | $7.1M | 2.1% | |
| 7 | Valley Economic Development Partners, Inc.Youngstown, OH | 3 | $394K | 1.6% | |
| 8 | KeyBank National AssociationCleveland, OH | 3 | $393K | 1.6% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 2 | — | 1.0% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 2 | — | 1.0% | |
| 11 | HomeTrust BankAsheville, NC | 1 | — | 0.5% | |
| 12 | Port 51 Lending LLCNew York, NY | 1 | — | 0.5% | |
| 13 | Mission Valley BankSun Valley, CA | 1 | — | 0.5% | |
| 14 | General Electric Credit UnionCincinnati, OH | 1 | — | 0.5% | |
| 15 | Enterprise BankAllison Park, PA | 1 | — | 0.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 17 | 8.9% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 15 | 7.8% | |
| 3 | Residential Building ConstructionNAICS 2361 | 13 | 6.8% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 5.2% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 9 | 4.7% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 9 | 4.7% | |
| 7 | Special Food ServicesNAICS 7223 | 8 | 4.2% | |
| 8 | Machine Shops; Turned Product; and Screw, Nut, and Bolt ManufacturingNAICS 3327 | 6 | 3.1% | |
| 9 | Personal Care ServicesNAICS 8121 | 6 | 3.1% | |
| 10 | Other General Purpose Machinery ManufacturingNAICS 3339 | 5 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 46 | 24.0% | |
| 2 | Manufacturing | 32 | 16.7% | |
| 3 | Retail Trade | 25 | 13.0% | |
| 4 | Transportation and Warehousing | 23 | 12.0% | |
| 5 | Other Services (except Public Administration) | 20 | 10.4% | |
| 6 | Accommodation and Food Services | 18 | 9.4% | |
| 7 | Wholesale Trade | 7 | 3.6% | |
| 8 | Professional, Scientific, and Technical Services | 7 | 3.6% |
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* | 11 | $1.7M | $65K | 1 | — | 12 | 62 |
| FY2025 | 38 | $9.9M | $65K | 1 | — | 39 | 210 |
| FY2024 | 46 | $6.9M | $50K | 1 | — | 47 | 277 |
| FY2023 | 39 | $8.9M | $75K | 1 | — | 40 | 204 |
| FY2022 | 32 | $6.6M | $46K | 1 | — | 33 | 137 |
| FY2021 | 31 | $7.2M | $50K | 2 | — | 33 | 142 |
| FY2020 | 24 | $6.4M | $91K | 0 | — | 24 | 119 |
| FY2019 | 21 | $5.6M | $51K | 0 | — | 21 | 114 |
| FY2018 | 30 | $5.8M | $50K | 0 | — | 30 | 82 |
| FY2017 | 30 | $3.8M | $33K | 1 | — | 31 | 146 |
| FY2016 | 39 | $11.0M | $50K | 1 | — | 40 | 247 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 146 approvals.
Against Ohio and the country
| FY2021–FY2025 | Columbiana County | Ohio | United States |
|---|---|---|---|
| Approvals | 192 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 100.7 | 72.3 | 41.0 |
| Median 7(a) approval | $50K | $99K | $190K |
| Median 504 approval | $268K | $496K | $657K |
| Average approval | $216K | $336K | $573K |
| 504 share of approvals | 3.1% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 5.1 | 8.1 | 10.5 |
| Share of state approvals | 1.0% | 100.0% | — |
Approval sizes
- $50,000 or less52.6%101
- $50,001 to $150,00026.6%51
- $150,001 to $350,0009.9%19
- $350,001 to $1 million7.3%14
- $1 million to $2 million1.0%2
- Over $2 million2.6%5
Age of the businesses
- Existing, more than 2 years old73.4%141
- New business, 2 years or less8.9%17
- Startup, loan funds will open the business13.0%25
- Change of ownership4.7%9
Questions and answers
Which lenders make the most SBA loans in Columbiana County?
By approvals in FY2021 to FY2025: The Huntington National Bank (139), Consumers National Bank (13), Valley Economic Development Partners, Inc. (6), First Commonwealth Bank (6), Live Oak Banking Company (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Columbiana County?
The median 7(a) approval was $50K and the median 504 approval $268K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Columbiana County?
General Freight Trucking (17); Other Specialty Trade Contractors (15); Residential Building Construction (13); Restaurants and Other Eating Places (10); Building Equipment Contractors (9).
Is SBA lending in Columbiana County rising?
Approvals in the three latest complete fiscal years total 126, against 90 in the three before: rising (+40%).
How does Columbiana County compare with the rest of Ohio?
100.7 approvals per 1,000 establishments against 72.3 statewide, and 192 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