Lenders › Arbor Bank
7(a) lenderNebraska City, NebraskaFDIC-insured bank470th of 2,184 by approvals
Arbor Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
In FY2021 to FY2025 SBA approved 56 7(a) loans, worth $25.5M, through Arbor Bank of Nebraska City, Nebraska, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 470th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 16 approvals totalling $5.2M. FY2026 to 30 Jun 2026 adds 5 more.
The median approval was $179K, against $190K for the 7(a) program as a whole; 44.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 6 states and territories and 16 counties, led by Nebraska (75.0%), Iowa (8.9%) and Kansas (7.1%). The largest industry group was retail trade at 21.4% of approvals, and 30.4% of approvals were to franchise businesses.
Of 78 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (2.6%), 53 as paid in full and 23 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 5 | $2.4M | $320K | $474K | 85 |
| FY2025 | 16 | $5.2M | $113K | $328K | 164 |
| FY2024 | 6 | $1.4M | $150K | $233K | 92 |
| FY2023 | 5 | $1.5M | $203K | $310K | 37 |
| FY2022 | 4 | $1.2M | $136K | $305K | 29 |
| FY2021 | 25 | $16.1M | $250K | $642K | 663 |
| FY2020 | 16 | $5.1M | $283K | $317K | 286 |
| FY2019 | 8 | $2.1M | $137K | $263K | 162 |
| FY2018 | 12 | $3.2M | $91K | $263K | 298 |
| FY2017 | 5 | $457K | $89K | $91K | 77 |
| FY2016 | 4 | $1.1M | $300K | $284K | 112 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 45 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Nebraska | 7(a) program |
|---|---|---|---|
| Approvals in these years | 82 | 4,396 | 639,905 |
| Cancelled or never disbursed | 4 | 469 | 79,313 |
| Disbursed loans | 78 | 3,927 | 560,592 |
| Paid in full | 53 | 3,172 | 435,813 |
| Charged off | 2 | 218 | 36,891 |
| Still outstanding (status exempt from disclosure) | 23 | 537 | 87,888 |
| Charged off, share of disbursed loans | 2.6% | 5.6% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.4% | 2.9% | 2.5% |
| Dollars charged off | $112K | $37.6M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 23 | 8 | 0 | — | 2.8% |
| FY2020 | 16 | 10 | 1 | — | 4.0% |
| FY2019 | 8 | 7 | 0 | — | 6.7% |
| FY2018 | 12 | 11 | 0 | — | 7.9% |
| FY2017 | 5 | 4 | 1 | — | 7.7% |
| FY2016 | 3 | 2 | 0 | — | 7.2% |
| FY2015 | 2 | 2 | 0 | — | 6.9% |
| FY2014 | 3 | 3 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 1 | 1 | 0 | — | 6.3% |
| FY2011 | 1 | 1 | 0 | — | 6.9% |
| FY2010 | 4 | 4 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $179K | $190K |
| Average approval | $455K | $518K |
| Approvals of $150,000 or less | 44.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 62.5% | 34.3% |
| Approvals to franchise businesses | 30.4% | 11.5% |
| Jobs supported per approval, as reported | 17.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.6% | 6.6% |
States served
| # | State of the business (6 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Nebraska | 42 | $15.6M | 75.0% | |
| 2 | Iowa | 5 | $1.3M | 8.9% | |
| 3 | Kansas | 4 | $4.3M | 7.1% | |
| 4 | Colorado | 3 | $4.0M | 5.4% | |
| 5 | Texas | 1 | — | 1.8% | |
| 6 | South Dakota | 1 | — | 1.8% |
In Nebraska the lender accounts for 2.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (16 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Douglas County, NE | 24 | $5.8M | 42.9% | |
| 2 | Sarpy County, NE | 10 | $7.2M | 17.9% | |
| 3 | Pottawattamie County, IA | 4 | $521K | 7.1% | |
| 4 | Stanton County, NE | 3 | $1.9M | 5.4% | |
| 5 | Douglas County, CO | 2 | — | 3.6% | |
| 6 | Dodge County, NE | 2 | — | 3.6% | |
| 7 | Washington County, NE | 2 | — | 3.6% | |
| 8 | Denver County, CO | 1 | — | 1.8% | |
| 9 | Shawnee County, KS | 1 | — | 1.8% | |
| 10 | Miami County, KS | 1 | — | 1.8% | |
| 11 | Montgomery County, KS | 1 | — | 1.8% | |
| 12 | Kossuth County, IA | 1 | — | 1.8% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 12 | 21.4% | |
| 2 | Accommodation and Food Services | 11 | 19.6% | |
| 3 | Health Care and Social Assistance | 10 | 17.9% | |
| 4 | Construction | 7 | 12.5% | |
| 5 | Other Services (except Public Administration) | 6 | 10.7% | |
| 6 | Wholesale Trade | 4 | 7.1% | |
| 7 | Manufacturing | 3 | 5.4% | |
| 8 | Educational Services | 1 | 1.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 14.3% | |
| 2 | Other Miscellaneous Store RetailersNAICS 4539 | 4 | 7.1% | |
| 3 | Home Health Care ServicesNAICS 6216 | 3 | 5.4% | |
| 4 | Cement and Concrete Product ManufacturingNAICS 3273 | 3 | 5.4% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 3 | 5.4% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 5.4% | |
| 7 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 2 | 3.6% | |
| 8 | Lumber and Other Construction Materials Merchant WholesalersNAICS 4233 | 2 | 3.6% | |
| 9 | Specialty Food StoresNAICS 4452 | 2 | 3.6% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 2 | 3.6% |
Approval sizes
- $50,000 or less14.3%8
- $50,001 to $150,00030.4%17
- $150,001 to $350,00026.8%15
- $350,001 to $1 million21.4%12
- $1 million to $2 million1.8%1
- Over $2 million5.4%3
Loan terms
- 5 years or less33.9%19
- Over 5 to 10 years57.1%32
- Over 10 to 20 years8.9%5
Age of the businesses
- Existing, more than 2 years old37.5%21
- New business, 2 years or less23.2%13
- Startup, loan funds will open the business39.3%22
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 40 | 71.4% | |
| 2 | 7a General | 10 | 17.9% | |
| 3 | Preferred Lenders Program | 5 | 8.9% | |
| 4 | Working Capital CAPLine | 1 | 1.8% |
Franchise share
17 of 56 approvals in FY2021–FY2025 (30.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Scooter's Coffee | 6 | 10.7% | |
| 2 | Home Instead | 3 | 5.4% | |
| 3 | 4Ever Young | 2 | 3.6% | |
| 4 | Wild Birds Unlimited | 2 | 3.6% | |
| 5 | Kitchen Solvers | 2 | 3.6% | |
| 6 | Gandolfo's Deli | 1 | 1.8% | |
| 7 | Do it Best | 1 | 1.8% |
Questions and answers
How many SBA loans does Arbor Bank make?
SBA approved 16 7(a) loans through Arbor Bank in FY2025, worth $5.2M, and 56 over FY2021 to FY2025. That ranks 470th of 2,184 active 7(a) lenders by number of approvals.
How large are Arbor Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $179K and the average $455K. The program-wide median was $190K.
What is Arbor Bank's charge-off rate?
Of 78 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (2.6%), 53 as paid in full and 23 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Arbor Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (8); other miscellaneous store retailers (4); home health care services (3); cement and concrete product manufacturing (3).
Where does Arbor Bank make SBA loans?
In 6 states and territories. Nebraska 42, Iowa 5, Kansas 4, Colorado 3, Texas 1. In Nebraska it accounts for 2.6% of all 7(a) approvals.
Is Arbor Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 27, against 45 in the three before: falling (-40%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error