States › Ohio › Pickaway County
County40th of 88 in Ohio by approvalsFIPS 39129
SBA loans in Pickaway 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 Pickaway County, Ohio, received 69 SBA loan approvals worth $19.8M in FY2021 to FY2025 (65 7(a), 4 504).
That is 80.6 approvals per 1,000 business establishments (856 establishments in 2023), close to the Ohio figure of 72.3 and above the national 41.0.
It ranks 40th of 88 Ohio counties with approvals. In FY2025 there were 15, up 50% on FY2024.
17 lenders had approvals here; the most active were The Huntington National Bank (45), Celtic Bank Corporation (3) and The Park National Bank (3). The most common industry was building finishing contractors.
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 Pickaway County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 45 | $6.0M | 65.2% | |
| 2 | Celtic Bank CorporationSalt Lake City, UT | 3 | $3.6M | 4.3% | |
| 3 | The Park National BankNewark, OH | 3 | $2.7M | 4.3% | |
| 4 | PNC Bank, National AssociationWilmington, DE | 2 | — | 2.9% | |
| 5 | Community Capital Development CorporationDublin, OH · CDC | 2 | — | 2.9% | |
| 6 | Telhio Credit Union IncColumbus, OH | 2 | — | 2.9% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 2.9% | |
| 8 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 1 | — | 1.4% | |
| 9 | Ohio Statewide Development CorporationColumbus, OH · CDC | 1 | — | 1.4% | |
| 10 | North Valley BankZanesville, OH | 1 | — | 1.4% | |
| 11 | The Farmers National Bank of CanfieldCanfield, OH | 1 | — | 1.4% | |
| 12 | The Vinton County National BankMcArthur, OH | 1 | — | 1.4% | |
| 13 | First Financial BankCincinnati, OH | 1 | — | 1.4% | |
| 14 | Georgia Banking CompanyAtlanta, GA | 1 | — | 1.4% | |
| 15 | United Midwest Savings Bank National AssociationDe Graff, OH | 1 | — | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Finishing ContractorsNAICS 2383 | 7 | 10.1% | |
| 2 | General Freight TruckingNAICS 4841 | 6 | 8.7% | |
| 3 | Special Food ServicesNAICS 7223 | 5 | 7.2% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 5.8% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 5.8% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 5.8% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 4 | 5.8% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 4.3% | |
| 9 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 2 | 2.9% | |
| 10 | Building Equipment ContractorsNAICS 2382 | 2 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 17 | 24.6% | |
| 2 | Accommodation and Food Services | 9 | 13.0% | |
| 3 | Transportation and Warehousing | 8 | 11.6% | |
| 4 | Other Services (except Public Administration) | 7 | 10.1% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 6 | 8.7% | |
| 6 | Arts, Entertainment, and Recreation | 5 | 7.2% | |
| 7 | Manufacturing | 4 | 5.8% | |
| 8 | Retail Trade | 4 | 5.8% |
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 | $793K | $200K | 1 | — | 4 | 26 |
| FY2025 | 15 | $2.0M | $100K | 0 | — | 15 | 62 |
| FY2024 | 10 | $746K | $61K | 0 | — | 10 | 12 |
| FY2023 | 19 | $4.8M | $50K | 2 | — | 21 | 107 |
| FY2022 | 14 | $3.8M | $120K | 1 | — | 15 | 85 |
| FY2021 | 7 | $4.8M | $211K | 1 | — | 8 | 57 |
| FY2020 | 10 | $3.4M | $75K | 1 | — | 11 | 18 |
| FY2019 | 11 | $1.6M | $56K | 0 | — | 11 | 87 |
| FY2018 | 16 | $3.5M | $49K | 1 | — | 17 | 34 |
| FY2017 | 4 | $206K | $36K | 0 | — | 4 | 3 |
| FY2016 | 11 | $1.6M | $50K | 1 | — | 12 | 56 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 55 approvals.
Against Ohio and the country
| FY2021–FY2025 | Pickaway County | Ohio | United States |
|---|---|---|---|
| Approvals | 69 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 80.6 | 72.3 | 41.0 |
| Median 7(a) approval | $100K | $99K | $190K |
| Median 504 approval | $386K | $496K | $657K |
| Average approval | $286K | $336K | $573K |
| 504 share of approvals | 5.8% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 4.7 | 8.1 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less30.4%21
- $50,001 to $150,00039.1%27
- $150,001 to $350,00014.5%10
- $350,001 to $1 million8.7%6
- $1 million to $2 million2.9%2
- Over $2 million4.3%3
Age of the businesses
- Existing, more than 2 years old68.1%47
- New business, 2 years or less17.4%12
- Startup, loan funds will open the business14.5%10
Questions and answers
Which lenders make the most SBA loans in Pickaway County?
By approvals in FY2021 to FY2025: The Huntington National Bank (45), Celtic Bank Corporation (3), The Park National Bank (3), PNC Bank, National Association (2), Community Capital Development Corporation (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Pickaway County?
The median 7(a) approval was $100K and the median 504 approval $386K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Pickaway County?
Building Finishing Contractors (7); General Freight Trucking (6); Special Food Services (5); Restaurants and Other Eating Places (4); Other Specialty Trade Contractors (4).
Is SBA lending in Pickaway County rising?
Approvals in the three latest complete fiscal years total 46, against 34 in the three before: rising (+35%).
How does Pickaway County compare with the rest of Ohio?
80.6 approvals per 1,000 establishments against 72.3 statewide, and 69 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