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County41st of 88 in Ohio by approvalsFIPS 39059
SBA loans in Guernsey 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 67 loans to businesses in Guernsey County, Ohio, in FY2021 to FY2025, worth $16.8M: 65 under 7(a) and 2 under 504.
That is 80.9 approvals per 1,000 business establishments (828 establishments in 2023), close to the Ohio figure of 72.3 and above the national 41.0.
It ranks 41st of 88 Ohio counties with approvals. In FY2025 there were 12, down 20% on FY2024.
10 lenders had approvals here; the most active were The Huntington National Bank (36), Peoples Bank (11) and The Community Bank (8). 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 Guernsey County
By number of approvals to businesses in the county, FY2021–FY2025; 10 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 36 | $3.1M | 53.7% | |
| 2 | Peoples BankMarietta, OH | 11 | $2.0M | 16.4% | |
| 3 | The Community BankZanesville, OH | 8 | $1.1M | 11.9% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 3 | $322K | 4.5% | |
| 5 | GBankLas Vegas, NV | 2 | — | 3.0% | |
| 6 | Ohio Statewide Development CorporationColumbus, OH · CDC | 2 | — | 3.0% | |
| 7 | WesBanco Bank, Inc.Wheeling, WV | 2 | — | 3.0% | |
| 8 | US Metro BankGarden Grove, CA | 1 | — | 1.5% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 1 | — | 1.5% | |
| 10 | The Park National BankNewark, OH | 1 | — | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 7.5% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 5 | 7.5% | |
| 3 | Offices of PhysiciansNAICS 6211 | 5 | 7.5% | |
| 4 | General Freight TruckingNAICS 4841 | 5 | 7.5% | |
| 5 | Residential Building ConstructionNAICS 2361 | 4 | 6.0% | |
| 6 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 4 | 6.0% | |
| 7 | Traveler AccommodationNAICS 7211 | 3 | 4.5% | |
| 8 | Death Care ServicesNAICS 8122 | 3 | 4.5% | |
| 9 | Support Activities for Road TransportationNAICS 4884 | 3 | 4.5% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 4.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 17 | 25.4% | |
| 2 | Health Care and Social Assistance | 10 | 14.9% | |
| 3 | Accommodation and Food Services | 8 | 11.9% | |
| 4 | Transportation and Warehousing | 8 | 11.9% | |
| 5 | Retail Trade | 8 | 11.9% | |
| 6 | Other Services (except Public Administration) | 6 | 9.0% | |
| 7 | Real Estate and Rental and Leasing | 4 | 6.0% | |
| 8 | Wholesale Trade | 2 | 3.0% |
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 | $5.5M | $2.1M | 0 | — | 3 | 6 |
| FY2025 | 12 | $1.6M | $128K | 0 | — | 12 | 61 |
| FY2024 | 15 | $2.3M | $50K | 0 | — | 15 | 18 |
| FY2023 | 14 | $2.2M | $76K | 1 | — | 15 | 109 |
| FY2022 | 16 | $1.5M | $50K | 1 | — | 17 | 59 |
| FY2021 | 8 | $7.7M | $157K | 0 | — | 8 | 83 |
| FY2020 | 12 | $1.9M | $34K | 0 | — | 12 | 101 |
| FY2019 | 0 | — | — | 1 | — | 1 | 20 |
| FY2018 | 6 | $295K | $50K | 0 | — | 6 | 15 |
| FY2017 | 11 | $5.5M | $43K | 0 | — | 11 | 82 |
| FY2016 | 12 | $783K | $25K | 0 | — | 12 | 39 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 42 approvals.
Against Ohio and the country
| FY2021–FY2025 | Guernsey County | Ohio | United States |
|---|---|---|---|
| Approvals | 67 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 80.9 | 72.3 | 41.0 |
| Median 7(a) approval | $70K | $99K | $190K |
| Median 504 approval | — | $496K | $657K |
| Average approval | $250K | $336K | $573K |
| 504 share of approvals | 3.0% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 4.9 | 8.1 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less47.8%32
- $50,001 to $150,00023.9%16
- $150,001 to $350,00017.9%12
- $350,001 to $1 million4.5%3
- $1 million to $2 million3.0%2
- Over $2 million3.0%2
Age of the businesses
- Existing, more than 2 years old46.3%31
- New business, 2 years or less22.4%15
- Startup, loan funds will open the business28.4%19
- Change of ownership3.0%2
Questions and answers
Which lenders make the most SBA loans in Guernsey County?
By approvals in FY2021 to FY2025: The Huntington National Bank (36), Peoples Bank (11), The Community Bank (8), U.S. Bank, National Association (3), GBank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Guernsey County?
The median 7(a) approval was $70K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Guernsey County?
Restaurants and Other Eating Places (5); Offices of Other Health Practitioners (5); Offices of Physicians (5); General Freight Trucking (5); Residential Building Construction (4).
Is SBA lending in Guernsey County rising?
Approvals in the three latest complete fiscal years total 42, against 37 in the three before: rising (+14%).
How does Guernsey County compare with the rest of Ohio?
80.9 approvals per 1,000 establishments against 72.3 statewide, and 67 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