Lenders › California Bank of Commerce, NA
7(a) lenderSan Diego, CaliforniaFDIC-insured bank341st of 2,184 by approvals
California Bank of Commerce, NA
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.
California Bank of Commerce, NA, based in San Diego, California, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 89 of its 7(a) loans worth $94.5M in FY2021 to FY2025, which places it 341st of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 15 approvals totalling $12.5M, about level with FY2024 (14).
The median approval was $720K, against $190K for the 7(a) program as a whole; 5.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 15 counties, led by California (97.8%), Arkansas (1.1%) and Texas (1.1%). The largest industry group was manufacturing at 13.5% of approvals, and 4.5% of approvals were to franchise businesses.
Of 355 disbursed loans approved in FY2010 to FY2021, SBA records 10 as charged off (2.8%), 304 as paid in full and 41 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* | 0 | — | — | — | 0 |
| FY2025 | 15 | $12.5M | $600K | $833K | 377 |
| FY2024 | 14 | $13.3M | $997K | $953K | 143 |
| FY2023 | 22 | $24.2M | $523K | $1.1M | 87 |
| FY2022 | 27 | $35.8M | $1.1M | $1.3M | 169 |
| FY2021 | 11 | $8.7M | $720K | $791K | 250 |
| FY2020 | 12 | $10.4M | $440K | $865K | 538 |
| FY2019 | 30 | $14.1M | $263K | $469K | 263 |
| FY2018 | 47 | $39.5M | $500K | $840K | 946 |
| FY2017 | 34 | $32.0M | $453K | $940K | 834 |
| FY2016 | 36 | $26.4M | $375K | $734K | 1,137 |
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 159 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 | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 390 | 79,249 | 639,905 |
| Cancelled or never disbursed | 35 | 10,102 | 79,313 |
| Disbursed loans | 355 | 69,147 | 560,592 |
| Paid in full | 304 | 52,688 | 435,813 |
| Charged off | 10 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 41 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 2.8% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.5% | 1.5% | 2.5% |
| Dollars charged off | $3.2M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 10 | 6 | 0 | — | 2.8% |
| FY2020 | 11 | 9 | 0 | — | 4.0% |
| FY2019 | 29 | 21 | 0 | — | 6.7% |
| FY2018 | 47 | 34 | 3 | 6.4% | 7.9% |
| FY2017 | 30 | 21 | 0 | 0.0% | 7.7% |
| FY2016 | 33 | 26 | 2 | 6.1% | 7.2% |
| FY2015 | 43 | 42 | 1 | 2.3% | 6.9% |
| FY2014 | 28 | 25 | 3 | — | 6.4% |
| FY2013 | 27 | 25 | 0 | — | 6.0% |
| FY2012 | 35 | 35 | 0 | 0.0% | 6.3% |
| FY2011 | 28 | 27 | 1 | — | 6.9% |
| FY2010 | 34 | 33 | 0 | 0.0% | 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 | $720K | $190K |
| Average approval | $1.1M | $518K |
| Approvals of $150,000 or less | 5.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 22.5% | 34.3% |
| Approvals to franchise businesses | 4.5% | 11.5% |
| Jobs supported per approval, as reported | 11.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.8% | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 87 | $91.5M | 97.8% | |
| 2 | Arkansas | 1 | — | 1.1% | |
| 3 | Texas | 1 | — | 1.1% |
In California the lender accounts for 0.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (15 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 26 | $28.2M | 29.2% | |
| 2 | San Diego County, CA | 25 | $18.2M | 28.1% | |
| 3 | Orange County, CA | 13 | $22.0M | 14.6% | |
| 4 | Riverside County, CA | 9 | $14.0M | 10.1% | |
| 5 | San Bernardino County, CA | 6 | $4.7M | 6.7% | |
| 6 | Benton County, AR | 1 | — | 1.1% | |
| 7 | Tulare County, CA | 1 | — | 1.1% | |
| 8 | Bexar County, TX | 1 | — | 1.1% | |
| 9 | Napa County, CA | 1 | — | 1.1% | |
| 10 | San Francisco County, CA | 1 | — | 1.1% | |
| 11 | Santa Barbara County, CA | 1 | — | 1.1% | |
| 12 | Sacramento County, CA | 1 | — | 1.1% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Manufacturing | 12 | 13.5% | |
| 2 | Other Services (except Public Administration) | 9 | 10.1% | |
| 3 | Construction | 9 | 10.1% | |
| 4 | Retail Trade | 8 | 9.0% | |
| 5 | Accommodation and Food Services | 8 | 9.0% | |
| 6 | Health Care and Social Assistance | 7 | 7.9% | |
| 7 | Professional, Scientific, and Technical Services | 6 | 6.7% | |
| 8 | Wholesale Trade | 5 | 5.6% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 9.0% | |
| 2 | Beverage ManufacturingNAICS 3121 | 6 | 6.7% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 5.6% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 4.5% | |
| 5 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 3 | 3.4% | |
| 6 | General Freight TruckingNAICS 4841 | 3 | 3.4% | |
| 7 | Nonresidential Building ConstructionNAICS 2362 | 3 | 3.4% | |
| 8 | Electronic Shopping and Mail-Order HousesNAICS 4541 | 3 | 3.4% | |
| 9 | Specialty Food StoresNAICS 4452 | 3 | 3.4% | |
| 10 | Employment ServicesNAICS 5613 | 3 | 3.4% |
Approval sizes
- $50,001 to $150,0005.6%5
- $150,001 to $350,00020.2%18
- $350,001 to $1 million38.2%34
- $1 million to $2 million24.7%22
- Over $2 million11.2%10
Loan terms
- 5 years or less2.2%2
- Over 5 to 10 years62.9%56
- Over 10 to 20 years2.2%2
- Over 20 years32.6%29
Age of the businesses
- Existing, more than 2 years old76.4%68
- New business, 2 years or less12.4%11
- Startup, loan funds will open the business10.1%9
- Change of ownership1.1%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 76 | 85.4% | |
| 2 | SBA Express Program | 7 | 7.9% | |
| 3 | 7a General | 2 | 2.2% | |
| 4 | Working Capital CAPLine | 2 | 2.2% | |
| 5 | 7a with EWCP | 1 | 1.1% | |
| 6 | International Trade Loans | 1 | 1.1% |
Franchise share
4 of 89 approvals in FY2021–FY2025 (4.5%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | K1 Speed | 1 | 1.1% | |
| 2 | Serotonin | 1 | 1.1% | |
| 3 | Nekter Juice Bar | 1 | 1.1% | |
| 4 | NuYo Frozen Yogurt | 1 | 1.1% |
Questions and answers
How many SBA loans does California Bank of Commerce, NA make?
SBA approved 15 7(a) loans through California Bank of Commerce, NA in FY2025, worth $12.5M, and 89 over FY2021 to FY2025. That ranks 341st of 2,184 active 7(a) lenders by number of approvals.
How large are California Bank of Commerce, NA's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $720K and the average $1.1M. The program-wide median was $190K.
What is California Bank of Commerce, NA's charge-off rate?
Of 355 disbursed loans approved in FY2010 to FY2021, SBA records 10 as charged off (2.8%), 304 as paid in full and 41 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 California Bank of Commerce, NA lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (8); beverage manufacturing (6); automotive repair and maintenance (5); other specialty trade contractors (4).
Where does California Bank of Commerce, NA make SBA loans?
In 3 states and territories. California 87, Arkansas 1, Texas 1. In California it accounts for 0.2% of all 7(a) approvals.
Is California Bank of Commerce, NA's SBA lending rising?
Approvals in the three latest complete fiscal years total 51, against 50 in the three before: broadly level (+2%).
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