Lenders › Banc of California
7(a) lenderLos Angeles, CaliforniaFDIC-insured bank91st of 2,184 by approvals
Banc of California
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.
Banc of California (Los Angeles, California) is an FDIC-insured bank in the SBA 7(a) program, 91st of 2,184 by approvals in FY2021 to FY2025: 428 loans worth $621M.
In FY2025, the latest complete fiscal year, it had 74 approvals totalling $130M, up 100% on FY2024 (37). FY2026 to 30 Jun 2026 adds 39 more.
The median approval was $1.1M, against $190K for the 7(a) program as a whole; 0.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 37 states and territories and 170 counties, led by Oregon (25.0%), California (18.0%) and Colorado (6.5%). The largest industry group was professional, scientific, and technical services at 16.6% of approvals, and 16.4% of approvals were to franchise businesses.
Of 1,866 disbursed loans approved in FY2010 to FY2021, SBA records 78 as charged off (4.2%), 1,416 as paid in full and 372 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* | 39 | $49.3M | $1.2M | $1.3M | 403 |
| FY2025 | 74 | $130M | $1.2M | $1.8M | 843 |
| FY2024 | 37 | $61.2M | $1.3M | $1.7M | 508 |
| FY2023 | 40 | $47.2M | $1.1M | $1.2M | 395 |
| FY2022 | 95 | $138M | $1.2M | $1.5M | 913 |
| FY2021 | 182 | $245M | $1.0M | $1.3M | 1,993 |
| FY2020 | 129 | $164M | $1.1M | $1.3M | 915 |
| FY2019 | 105 | $111M | $817K | $1.1M | 747 |
| FY2018 | 124 | $148M | $827K | $1.2M | 941 |
| FY2017 | 176 | $207M | $873K | $1.2M | 2,871 |
| FY2016 | 186 | $201M | $634K | $1.1M | 2,823 |
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 720 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 | Oregon | 7(a) program |
|---|---|---|---|
| Approvals in these years | 2,095 | 9,418 | 639,905 |
| Cancelled or never disbursed | 229 | 1,129 | 79,313 |
| Disbursed loans | 1,866 | 8,289 | 560,592 |
| Paid in full | 1,416 | 6,528 | 435,813 |
| Charged off | 78 | 384 | 36,891 |
| Still outstanding (status exempt from disclosure) | 372 | 1,377 | 87,888 |
| Charged off, share of disbursed loans | 4.2% | 4.6% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.1% | 1.4% | 2.5% |
| Dollars charged off | $42.1M | $46.1M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 156 | 41 | 2 | 1.3% | 2.8% |
| FY2020 | 111 | 55 | 2 | 1.8% | 4.0% |
| FY2019 | 91 | 54 | 1 | 1.1% | 6.7% |
| FY2018 | 112 | 72 | 5 | 4.5% | 7.9% |
| FY2017 | 155 | 113 | 10 | 6.5% | 7.7% |
| FY2016 | 167 | 139 | 6 | 3.6% | 7.2% |
| FY2015 | 208 | 176 | 8 | 3.8% | 6.9% |
| FY2014 | 177 | 145 | 11 | 6.2% | 6.4% |
| FY2013 | 169 | 150 | 5 | 3.0% | 6.0% |
| FY2012 | 176 | 159 | 10 | 5.7% | 6.3% |
| FY2011 | 199 | 181 | 12 | 6.0% | 6.9% |
| FY2010 | 145 | 131 | 6 | 4.1% | 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 | $1.1M | $190K |
| Average approval | $1.5M | $518K |
| Approvals of $150,000 or less | 0.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 31.8% | 34.3% |
| Approvals to franchise businesses | 16.4% | 11.5% |
| Jobs supported per approval, as reported | 10.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.2% | 6.6% |
States served
| # | State of the business (37 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Oregon | 107 | $188M | 25.0% | |
| 2 | California | 77 | $115M | 18.0% | |
| 3 | Colorado | 28 | $30.7M | 6.5% | |
| 4 | Texas | 26 | $31.1M | 6.1% | |
| 5 | Arizona | 25 | $37.1M | 5.8% | |
| 6 | New York | 18 | $24.7M | 4.2% | |
| 7 | Washington | 16 | $18.2M | 3.7% | |
| 8 | Florida | 14 | $22.9M | 3.3% | |
| 9 | Ohio | 12 | $15.9M | 2.8% | |
| 10 | New Jersey | 12 | $12.5M | 2.8% | |
| 11 | South Carolina | 8 | $12.0M | 1.9% | |
| 12 | Georgia | 8 | $10.6M | 1.9% |
In Oregon the lender accounts for 2.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (170 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Multnomah County, OR | 50 | $85.7M | 11.7% | |
| 2 | Clackamas County, OR | 21 | $29.5M | 4.9% | |
| 3 | Maricopa County, AZ | 20 | $31.1M | 4.7% | |
| 4 | Los Angeles County, CA | 16 | $29.7M | 3.7% | |
| 5 | Marion County, OR | 14 | $31.5M | 3.3% | |
| 6 | Washington County, OR | 13 | $29.2M | 3.0% | |
| 7 | San Diego County, CA | 11 | $13.9M | 2.6% | |
| 8 | Suffolk County, NY | 11 | $12.8M | 2.6% | |
| 9 | Clark County, WA | 11 | $12.3M | 2.6% | |
| 10 | Orange County, CA | 9 | $12.0M | 2.1% | |
| 11 | Denver County, CO | 8 | $11.4M | 1.9% | |
| 12 | Clark County, NV | 7 | $8.5M | 1.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 71 | 16.6% | |
| 2 | Other Services (except Public Administration) | 64 | 15.0% | |
| 3 | Accommodation and Food Services | 59 | 13.8% | |
| 4 | Health Care and Social Assistance | 47 | 11.0% | |
| 5 | Construction | 44 | 10.3% | |
| 6 | Manufacturing | 26 | 6.1% | |
| 7 | Retail Trade | 25 | 5.8% | |
| 8 | Finance and Insurance | 24 | 5.6% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 53 | 12.4% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 41 | 9.6% | |
| 3 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 30 | 7.0% | |
| 4 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 23 | 5.4% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 19 | 4.4% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 16 | 3.7% | |
| 7 | Offices of DentistsNAICS 6212 | 13 | 3.0% | |
| 8 | Other Personal ServicesNAICS 8129 | 12 | 2.8% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 12 | 2.8% | |
| 10 | Computer Systems Design and Related ServicesNAICS 5415 | 10 | 2.3% |
Approval sizes
- $50,001 to $150,0000.5%2
- $150,001 to $350,0005.1%22
- $350,001 to $1 million39.3%168
- $1 million to $2 million32.2%138
- Over $2 million22.9%98
Loan terms
- Over 5 to 10 years19.4%83
- Over 10 to 20 years5.1%22
- Over 20 years75.5%323
Age of the businesses
- Existing, more than 2 years old50.5%216
- New business, 2 years or less30.4%130
- Startup, loan funds will open the business1.4%6
- Change of ownership17.8%76
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 410 | 95.8% | |
| 2 | 7a General | 17 | 4.0% | |
| 3 | SBA Express Program | 1 | 0.2% |
Franchise share
70 of 428 approvals in FY2021–FY2025 (16.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Domino's Pizza | 32 | 7.5% | |
| 2 | Interstate All Battery Center | 4 | 0.9% | |
| 3 | Dogtopia | 4 | 0.9% | |
| 4 | Little Caesars | 4 | 0.9% | |
| 5 | Zaxby's | 3 | 0.7% | |
| 6 | AM/PM Mini-Mart Agreement | 2 | 0.5% | |
| 7 | The Goddard School | 2 | 0.5% | |
| 8 | Budget Blinds | 2 | 0.5% |
Questions and answers
How many SBA loans does Banc of California make?
SBA approved 74 7(a) loans through Banc of California in FY2025, worth $130M, and 428 over FY2021 to FY2025. That ranks 91st of 2,184 active 7(a) lenders by number of approvals.
How large are Banc of California's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.1M and the average $1.5M. The program-wide median was $190K.
What is Banc of California's charge-off rate?
Of 1,866 disbursed loans approved in FY2010 to FY2021, SBA records 78 as charged off (4.2%), 1,416 as paid in full and 372 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 Banc of California lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (53); automotive repair and maintenance (41); other professional, scientific, and technical services (30); agencies, brokerages, and other insurance related activities (23).
Where does Banc of California make SBA loans?
In 37 states and territories. Oregon 107, California 77, Colorado 28, Texas 26, Arizona 25. In Oregon it accounts for 2.3% of all 7(a) approvals.
Is Banc of California's SBA lending rising?
Approvals in the three latest complete fiscal years total 151, against 406 in the three before: falling (-63%).
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