Lenders › BNC National Bank
7(a) lenderGlendale, ArizonaFDIC-insured bank431st of 2,184 by approvals
BNC National 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 65 7(a) loans, worth $32.7M, through BNC National Bank of Glendale, Arizona, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 431st among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 14 approvals totalling $7.1M, up 8% on FY2024 (13). FY2026 to 30 Jun 2026 adds 2 more.
The median approval was $382K, against $190K for the 7(a) program as a whole; 29.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 6 counties, led by Arizona (96.9%), North Dakota (1.5%) and Tennessee (1.5%). The largest industry group was health care and social assistance at 24.6% of approvals, and 12.3% of approvals were to franchise businesses.
Of 302 disbursed loans approved in FY2010 to FY2021, SBA records 17 as charged off (5.6%), 250 as paid in full and 35 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* | 2 | — | — | — | 39 |
| FY2025 | 14 | $7.1M | $195K | $509K | 270 |
| FY2024 | 13 | $6.6M | $641K | $509K | 124 |
| FY2023 | 12 | $5.7M | $522K | $476K | 120 |
| FY2022 | 10 | $3.0M | $177K | $305K | 136 |
| FY2021 | 16 | $10.2M | $389K | $638K | 396 |
| FY2020 | 9 | $1.1M | $100K | $126K | 60 |
| FY2019 | 18 | $11.9M | $275K | $661K | 245 |
| FY2018 | 18 | $5.5M | $259K | $306K | 388 |
| FY2017 | 20 | $6.8M | $187K | $342K | 355 |
| FY2016 | 28 | $15.4M | $261K | $550K | 839 |
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 93 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 | Arizona | 7(a) program |
|---|---|---|---|
| Approvals in these years | 328 | 12,990 | 639,905 |
| Cancelled or never disbursed | 26 | 1,486 | 79,313 |
| Disbursed loans | 302 | 11,504 | 560,592 |
| Paid in full | 250 | 8,917 | 435,813 |
| Charged off | 17 | 692 | 36,891 |
| Still outstanding (status exempt from disclosure) | 35 | 1,895 | 87,888 |
| Charged off, share of disbursed loans | 5.6% | 6.0% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.5% | 1.9% | 2.5% |
| Dollars charged off | $3.5M | $110M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 15 | 6 | 0 | — | 2.8% |
| FY2020 | 8 | 4 | 1 | — | 4.0% |
| FY2019 | 17 | 9 | 0 | — | 6.7% |
| FY2018 | 18 | 14 | 0 | — | 7.9% |
| FY2017 | 17 | 12 | 1 | — | 7.7% |
| FY2016 | 24 | 21 | 1 | — | 7.2% |
| FY2015 | 30 | 25 | 2 | 6.7% | 6.9% |
| FY2014 | 51 | 44 | 7 | 13.7% | 6.4% |
| FY2013 | 44 | 40 | 4 | 9.1% | 6.0% |
| FY2012 | 30 | 28 | 0 | 0.0% | 6.3% |
| FY2011 | 27 | 27 | 0 | — | 6.9% |
| FY2010 | 21 | 20 | 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 | $382K | $190K |
| Average approval | $503K | $518K |
| Approvals of $150,000 or less | 29.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 27.7% | 34.3% |
| Approvals to franchise businesses | 12.3% | 11.5% |
| Jobs supported per approval, as reported | 16.1 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 5.6% | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Arizona | 63 | $30.2M | 96.9% | |
| 2 | North Dakota | 1 | — | 1.5% | |
| 3 | Tennessee | 1 | — | 1.5% |
In Arizona the lender accounts for 1.1% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (6 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Maricopa County, AZ | 56 | $27.6M | 86.2% | |
| 2 | Pinal County, AZ | 5 | $1.8M | 7.7% | |
| 3 | Burleigh County, ND | 1 | — | 1.5% | |
| 4 | Pima County, AZ | 1 | — | 1.5% | |
| 5 | Madison County, TN | 1 | — | 1.5% | |
| 6 | Yuma County, AZ | 1 | — | 1.5% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 16 | 24.6% | |
| 2 | Professional, Scientific, and Technical Services | 10 | 15.4% | |
| 3 | Retail Trade | 7 | 10.8% | |
| 4 | Accommodation and Food Services | 6 | 9.2% | |
| 5 | Transportation and Warehousing | 5 | 7.7% | |
| 6 | Other Services (except Public Administration) | 5 | 7.7% | |
| 7 | Manufacturing | 4 | 6.2% | |
| 8 | Construction | 4 | 6.2% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 6 | 9.2% | |
| 2 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 5 | 7.7% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 6.2% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 4.6% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 3 | 4.6% | |
| 6 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 3 | 4.6% | |
| 7 | Computer Systems Design and Related ServicesNAICS 5415 | 2 | 3.1% | |
| 8 | Personal Care ServicesNAICS 8121 | 2 | 3.1% | |
| 9 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 2 | 3.1% | |
| 10 | Household and Institutional Furniture and Kitchen Cabinet ManufacturingNAICS 3371 | 2 | 3.1% |
Approval sizes
- $50,000 or less7.7%5
- $50,001 to $150,00021.5%14
- $150,001 to $350,00018.5%12
- $350,001 to $1 million44.6%29
- $1 million to $2 million4.6%3
- Over $2 million3.1%2
Loan terms
- Over 5 to 10 years84.6%55
- Over 10 to 20 years4.6%3
- Over 20 years10.8%7
Age of the businesses
- Existing, more than 2 years old60.0%39
- New business, 2 years or less6.2%4
- Startup, loan funds will open the business21.5%14
- Change of ownership12.3%8
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 28 | 43.1% | |
| 2 | 7a General | 22 | 33.8% | |
| 3 | SBA Express Program | 15 | 23.1% |
Franchise share
8 of 65 approvals in FY2021–FY2025 (12.3%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | FirstLight HomeCare | 2 | 3.1% | |
| 2 | The Medicine Shoppe | 1 | 1.5% | |
| 3 | O.H.S.O. | 1 | 1.5% | |
| 4 | Rise Modern Wellness | 1 | 1.5% | |
| 5 | Firehouse Subs | 1 | 1.5% | |
| 6 | 100% Chiropractic | 1 | 1.5% | |
| 7 | DQ of Southern Arizona Store Operating License Agreement | 1 | 1.5% |
Questions and answers
How many SBA loans does BNC National Bank make?
SBA approved 14 7(a) loans through BNC National Bank in FY2025, worth $7.1M, and 65 over FY2021 to FY2025. That ranks 431st of 2,184 active 7(a) lenders by number of approvals.
How large are BNC National Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $382K and the average $503K. The program-wide median was $190K.
What is BNC National Bank's charge-off rate?
Of 302 disbursed loans approved in FY2010 to FY2021, SBA records 17 as charged off (5.6%), 250 as paid in full and 35 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 BNC National Bank lend to most?
By number of approvals in FY2021 to FY2025: accounting, tax preparation, bookkeeping, and payroll services (6); continuing care retirement communities and assisted living facilities for the elderly (5); restaurants and other eating places (4); other amusement and recreation industries (3).
Where does BNC National Bank make SBA loans?
In 3 states and territories. Arizona 63, North Dakota 1, Tennessee 1. In Arizona it accounts for 1.1% of all 7(a) approvals.
Is BNC National Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 39, against 35 in the three before: rising (+11%).
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