County55th of 88 in Ohio by approvalsFIPS 39075
SBA loans in Holmes 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 36 loans to businesses in Holmes County, Ohio, in FY2021 to FY2025, worth $11.4M: 36 under 7(a) and 0 under 504.
That is 25.5 approvals per 1,000 business establishments (1,413 establishments in 2023), below the Ohio figure of 72.3 and below the national 41.0.
It ranks 55th of 88 Ohio counties with approvals. In FY2025 there were 3.
11 lenders had approvals here; the most active were The Huntington National Bank (22), Peoples Bank (2) and Consumers National Bank (2). The most common industry was services to buildings and dwellings.
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 Holmes County
By number of approvals to businesses in the county, FY2021–FY2025; 11 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 22 | $3.1M | 61.1% | |
| 2 | Peoples BankMarietta, OH | 2 | — | 5.6% | |
| 3 | Consumers National BankMinerva, OH | 2 | — | 5.6% | |
| 4 | The Commercial and Savings Bank of Millersburg, OhioMillersburg, OH | 2 | — | 5.6% | |
| 5 | PNC Bank, National AssociationWilmington, DE | 2 | — | 5.6% | |
| 6 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.8% | |
| 7 | United Midwest Savings Bank National AssociationDe Graff, OH | 1 | — | 2.8% | |
| 8 | First Federal Community Bank National AssociationDover, OH | 1 | — | 2.8% | |
| 9 | First Financial BankEl Dorado, AR | 1 | — | 2.8% | |
| 10 | Northeast BankLewiston, ME | 1 | — | 2.8% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 3 | 8.3% | |
| 2 | Residential Building ConstructionNAICS 2361 | 3 | 8.3% | |
| 3 | Building Finishing ContractorsNAICS 2383 | 3 | 8.3% | |
| 4 | Resin, Synthetic Rubber, and Artificial and Synthetic Fibers and Filaments ManufacturingNAICS 3252 | 2 | 5.6% | |
| 5 | Sawmills and Wood PreservationNAICS 3211 | 2 | 5.6% | |
| 6 | General Freight TruckingNAICS 4841 | 2 | 5.6% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 5.6% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 5.6% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 5.6% | |
| 10 | Other Wood Product ManufacturingNAICS 3219 | 1 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 11 | 30.6% | |
| 2 | Manufacturing | 6 | 16.7% | |
| 3 | Other Services (except Public Administration) | 4 | 11.1% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 3 | 8.3% | |
| 5 | Retail Trade | 3 | 8.3% | |
| 6 | Transportation and Warehousing | 2 | 5.6% | |
| 7 | Agriculture, Forestry, Fishing and Hunting | 2 | 5.6% | |
| 8 | Professional, Scientific, and Technical Services | 2 | 5.6% |
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* | 2 | — | — | 1 | — | 3 | 15 |
| FY2025 | 3 | $365K | $50K | 0 | — | 3 | 5 |
| FY2024 | 9 | $752K | $60K | 0 | — | 9 | 18 |
| FY2023 | 8 | $3.7M | $90K | 0 | — | 8 | 31 |
| FY2022 | 7 | $1.1M | $127K | 0 | — | 7 | 30 |
| FY2021 | 9 | $5.4M | $495K | 0 | — | 9 | 235 |
| FY2020 | 3 | $4.0M | $1.0M | 0 | — | 3 | 264 |
| FY2019 | 6 | $5.2M | $325K | 0 | — | 6 | 292 |
| FY2018 | 10 | $3.1M | $88K | 0 | — | 10 | 91 |
| FY2017 | 6 | $2.2M | $174K | 0 | — | 6 | 243 |
| FY2016 | 3 | $1.0M | $215K | 0 | — | 3 | 12 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 28 approvals.
Against Ohio and the country
| FY2021–FY2025 | Holmes County | Ohio | United States |
|---|---|---|---|
| Approvals | 36 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 25.5 | 72.3 | 41.0 |
| Median 7(a) approval | $100K | $99K | $190K |
| Median 504 approval | — | $496K | $657K |
| Average approval | $316K | $336K | $573K |
| 504 share of approvals | 0.0% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 8.9 | 8.1 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less38.9%14
- $50,001 to $150,00025.0%9
- $150,001 to $350,00013.9%5
- $350,001 to $1 million13.9%5
- $1 million to $2 million5.6%2
- Over $2 million2.8%1
Age of the businesses
- Existing, more than 2 years old75.0%27
- New business, 2 years or less8.3%3
- Startup, loan funds will open the business11.1%4
- Change of ownership5.6%2
Questions and answers
Which lenders make the most SBA loans in Holmes County?
By approvals in FY2021 to FY2025: The Huntington National Bank (22), Peoples Bank (2), Consumers National Bank (2), The Commercial and Savings Bank of Millersburg, Ohio (2), PNC Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Holmes County?
The median 7(a) approval was $100K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Holmes County?
Services to Buildings and Dwellings (3); Residential Building Construction (3); Building Finishing Contractors (3); Resin, Synthetic Rubber, and Artificial and Synthetic Fibers and Filaments Manufacturing (2); Sawmills and Wood Preservation (2).
Is SBA lending in Holmes County rising?
Approvals in the three latest complete fiscal years total 20, against 19 in the three before: broadly level (+5%).
How does Holmes County compare with the rest of Ohio?
25.5 approvals per 1,000 establishments against 72.3 statewide, and 36 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