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County23rd of 88 in Ohio by approvalsFIPS 39119
SBA loans in Muskingum 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 192 loans to businesses in Muskingum County, Ohio, in FY2021 to FY2025, worth $33.7M: 183 under 7(a) and 9 under 504.
That is 110.5 approvals per 1,000 business establishments (1,737 establishments in 2023), above the Ohio figure of 72.3 and above the national 41.0.
It ranks 23rd of 88 Ohio counties with approvals. In FY2025 there were 28, down 24% on FY2024.
18 lenders had approvals here; the most active were The Community Bank (86), The Huntington National Bank (71) and North Valley Bank (6). 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 Muskingum County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Community BankZanesville, OH | 86 | $7.4M | 44.8% | |
| 2 | The Huntington National BankColumbus, OH | 71 | $4.9M | 37.0% | |
| 3 | North Valley BankZanesville, OH | 6 | $5.3M | 3.1% | |
| 4 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 3 | $3.1M | 1.6% | |
| 5 | Peoples BankMarietta, OH | 3 | $2.3M | 1.6% | |
| 6 | U.S. Bank, National AssociationCincinnati, OH | 3 | $2.2M | 1.6% | |
| 7 | Community Capital Development CorporationDublin, OH · CDC | 3 | $1.7M | 1.6% | |
| 8 | The Park National BankNewark, OH | 3 | $1.6M | 1.6% | |
| 9 | Northeast BankLewiston, ME | 3 | $468K | 1.6% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 2 | — | 1.0% | |
| 11 | PNC Bank, National AssociationWilmington, DE | 2 | — | 1.0% | |
| 12 | First National Bank of PennsylvaniaGreenville, PA | 1 | — | 0.5% | |
| 13 | Paragon BankMemphis, TN | 1 | — | 0.5% | |
| 14 | West Central Partnership, Inc.Perrysburg, OH · CDC | 1 | — | 0.5% | |
| 15 | Growth Capital Corp.Cleveland, OH · CDC | 1 | — | 0.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 11 | 5.7% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 10 | 5.2% | |
| 3 | Specialized Freight TruckingNAICS 4842 | 10 | 5.2% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 9 | 4.7% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 4.7% | |
| 6 | Residential Building ConstructionNAICS 2361 | 9 | 4.7% | |
| 7 | General Freight TruckingNAICS 4841 | 9 | 4.7% | |
| 8 | Utility System ConstructionNAICS 2371 | 8 | 4.2% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 8 | 4.2% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 6 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 40 | 20.8% | |
| 2 | Other Services (except Public Administration) | 26 | 13.5% | |
| 3 | Transportation and Warehousing | 23 | 12.0% | |
| 4 | Retail Trade | 17 | 8.9% | |
| 5 | Health Care and Social Assistance | 17 | 8.9% | |
| 6 | Accommodation and Food Services | 14 | 7.3% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 14 | 7.3% | |
| 8 | Manufacturing | 9 | 4.7% |
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* | 9 | $1.3M | $85K | 1 | — | 10 | 39 |
| FY2025 | 28 | $6.0M | $116K | 0 | — | 28 | 295 |
| FY2024 | 35 | $5.9M | $61K | 2 | — | 37 | 199 |
| FY2023 | 41 | $4.3M | $50K | 1 | — | 42 | 174 |
| FY2022 | 40 | $4.0M | $71K | 4 | $1.3M | 44 | 69 |
| FY2021 | 39 | $7.9M | $49K | 2 | — | 41 | 247 |
| FY2020 | 22 | $3.8M | $49K | 3 | $2.3M | 25 | 96 |
| FY2019 | 21 | $2.9M | $100K | 3 | $691K | 24 | 158 |
| FY2018 | 10 | $1.3M | $95K | 1 | — | 11 | 133 |
| FY2017 | 30 | $1.9M | $34K | 1 | — | 31 | 144 |
| FY2016 | 32 | $2.7M | $42K | 0 | — | 32 | 127 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 123 approvals.
Against Ohio and the country
| FY2021–FY2025 | Muskingum County | Ohio | United States |
|---|---|---|---|
| Approvals | 192 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 110.5 | 72.3 | 41.0 |
| Median 7(a) approval | $59K | $99K | $190K |
| Median 504 approval | $362K | $496K | $657K |
| Average approval | $175K | $336K | $573K |
| 504 share of approvals | 4.7% | 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 less43.2%83
- $50,001 to $150,00033.3%64
- $150,001 to $350,00015.6%30
- $350,001 to $1 million4.2%8
- $1 million to $2 million2.6%5
- Over $2 million1.0%2
Age of the businesses
- Existing, more than 2 years old58.3%112
- New business, 2 years or less22.4%43
- Startup, loan funds will open the business14.6%28
- Change of ownership4.7%9
Questions and answers
Which lenders make the most SBA loans in Muskingum County?
By approvals in FY2021 to FY2025: The Community Bank (86), The Huntington National Bank (71), North Valley Bank (6), Alloy Development Co., Inc. (3), Peoples Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Muskingum County?
The median 7(a) approval was $59K and the median 504 approval $362K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Muskingum County?
Services to Buildings and Dwellings (11); Automotive Repair and Maintenance (10); Specialized Freight Trucking (10); Other Specialty Trade Contractors (9); Restaurants and Other Eating Places (9).
Is SBA lending in Muskingum County rising?
Approvals in the three latest complete fiscal years total 107, against 110 in the three before: broadly level (-3%).
How does Muskingum County compare with the rest of Ohio?
110.5 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