Lenders › Capital Bank, National Association
7(a) lenderRockville, MarylandFDIC-insured bank84th of 2,184 by approvals
Capital Bank, National Association
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.
Capital Bank, National Association (Rockville, Maryland) is an FDIC-insured bank in the SBA 7(a) program, 84th of 2,184 by approvals in FY2021 to FY2025: 456 loans worth $266M.
In FY2025, the latest complete fiscal year, it had 56 approvals totalling $31.6M, down 36% on FY2024 (87). FY2026 to 30 Jun 2026 adds 62 more.
The median approval was $312K, against $190K for the 7(a) program as a whole; 22.1% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 38 states and territories and 205 counties, led by Maryland (12.3%), Virginia (12.1%) and Florida (10.1%). The largest industry group was professional, scientific, and technical services at 27.4% of approvals, and 12.7% of approvals were to franchise businesses.
Of 634 disbursed loans approved in FY2010 to FY2021, SBA records 41 as charged off (6.5%), 391 as paid in full and 202 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to 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* | 62 | $59.2M | $350K | $955K | 1,134 |
| FY2025 | 56 | $31.6M | $350K | $565K | 620 |
| FY2024 | 87 | $46.1M | $350K | $530K | 1,029 |
| FY2023 | 116 | $58.6M | $281K | $505K | 1,751 |
| FY2022 | 108 | $68.8M | $300K | $637K | 1,905 |
| FY2021 | 89 | $61.1M | $305K | $686K | 1,440 |
| FY2020 | 135 | $78.4M | $300K | $581K | 1,759 |
| FY2019 | 82 | $35.0M | $190K | $426K | 1,038 |
| FY2018 | 53 | $26.8M | $300K | $505K | 1,785 |
| FY2017 | 58 | $64.6M | $688K | $1.1M | 924 |
| FY2016 | 98 | $119M | $789K | $1.2M | 2,005 |
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 426 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 | Maryland | 7(a) program |
|---|---|---|---|
| Approvals in these years | 746 | 9,121 | 639,905 |
| Cancelled or never disbursed | 112 | 1,219 | 79,313 |
| Disbursed loans | 634 | 7,902 | 560,592 |
| Paid in full | 391 | 5,996 | 435,813 |
| Charged off | 41 | 618 | 36,891 |
| Still outstanding (status exempt from disclosure) | 202 | 1,288 | 87,888 |
| Charged off, share of disbursed loans | 6.5% | 7.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 4.3% | 3.3% | 2.5% |
| Dollars charged off | $23.4M | $92.6M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 77 | 29 | 1 | 1.3% | 2.8% |
| FY2020 | 120 | 51 | 6 | 5.0% | 4.0% |
| FY2019 | 77 | 36 | 3 | 3.9% | 6.7% |
| FY2018 | 41 | 35 | 0 | 0.0% | 7.9% |
| FY2017 | 46 | 33 | 1 | 2.2% | 7.7% |
| FY2016 | 86 | 65 | 5 | 5.8% | 7.2% |
| FY2015 | 65 | 46 | 8 | 12.3% | 6.9% |
| FY2014 | 48 | 34 | 10 | 20.8% | 6.4% |
| FY2013 | 39 | 31 | 5 | 12.8% | 6.0% |
| FY2012 | 26 | 24 | 0 | — | 6.3% |
| FY2011 | 7 | 5 | 2 | — | 6.9% |
| FY2010 | 2 | 2 | 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 | $312K | $190K |
| Average approval | $584K | $518K |
| Approvals of $150,000 or less | 22.1% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 34.2% | 34.3% |
| Approvals to franchise businesses | 12.7% | 11.5% |
| Jobs supported per approval, as reported | 14.8 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 6.5% | 6.6% |
States served
| # | State of the business (38 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Maryland | 56 | $36.6M | 12.3% | |
| 2 | Virginia | 55 | $41.4M | 12.1% | |
| 3 | Florida | 46 | $15.0M | 10.1% | |
| 4 | California | 43 | $23.2M | 9.4% | |
| 5 | Texas | 31 | $17.0M | 6.8% | |
| 6 | New York | 28 | $18.3M | 6.1% | |
| 7 | Georgia | 26 | $12.0M | 5.7% | |
| 8 | North Carolina | 22 | $13.1M | 4.8% | |
| 9 | South Carolina | 17 | $10.1M | 3.7% | |
| 10 | Illinois | 14 | $9.9M | 3.1% | |
| 11 | Tennessee | 12 | $3.1M | 2.6% | |
| 12 | New Jersey | 9 | $3.1M | 2.0% |
In Maryland the lender accounts for 1.1% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (205 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Fairfax County, VA | 20 | $13.5M | 4.4% | |
| 2 | Montgomery County, MD | 18 | $12.4M | 3.9% | |
| 3 | New York County, NY | 12 | $8.5M | 2.6% | |
| 4 | Los Angeles County, CA | 11 | $4.9M | 2.4% | |
| 5 | Miami-Dade County, FL | 11 | $2.6M | 2.4% | |
| 6 | Orange County, CA | 10 | $10.2M | 2.2% | |
| 7 | Virginia Beach city, VA | 10 | $10.2M | 2.2% | |
| 8 | Fulton County, GA | 10 | $4.5M | 2.2% | |
| 9 | Prince George's County, MD | 10 | $4.0M | 2.2% | |
| 10 | Harris County, TX | 9 | $5.3M | 2.0% | |
| 11 | Anne Arundel County, MD | 8 | $6.0M | 1.8% | |
| 12 | Hillsborough County, FL | 8 | $3.6M | 1.8% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 125 | 27.4% | |
| 2 | Health Care and Social Assistance | 43 | 9.4% | |
| 3 | Finance and Insurance | 43 | 9.4% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 34 | 7.5% | |
| 5 | Wholesale Trade | 30 | 6.6% | |
| 6 | Construction | 29 | 6.4% | |
| 7 | Transportation and Warehousing | 23 | 5.0% | |
| 8 | Other Services (except Public Administration) | 22 | 4.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 31 | 6.8% | |
| 2 | Computer Systems Design and Related ServicesNAICS 5415 | 28 | 6.1% | |
| 3 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 22 | 4.8% | |
| 4 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 22 | 4.8% | |
| 5 | Legal ServicesNAICS 5411 | 18 | 3.9% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 17 | 3.7% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 15 | 3.3% | |
| 8 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 2.9% | |
| 9 | Architectural, Engineering, and Related ServicesNAICS 5413 | 13 | 2.9% | |
| 10 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 13 | 2.9% |
Approval sizes
- $50,000 or less0.4%2
- $50,001 to $150,00021.7%99
- $150,001 to $350,00040.8%186
- $350,001 to $1 million23.0%105
- $1 million to $2 million9.0%41
- Over $2 million5.0%23
Loan terms
- 5 years or less4.6%21
- Over 5 to 10 years80.5%367
- Over 10 to 20 years7.0%32
- Over 20 years7.9%36
Age of the businesses
- Existing, more than 2 years old55.0%251
- New business, 2 years or less16.2%74
- Startup, loan funds will open the business18.0%82
- Change of ownership10.7%49
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 298 | 65.4% | |
| 2 | 7a General | 93 | 20.4% | |
| 3 | SBA Express Program | 48 | 10.5% | |
| 4 | International Trade Loans | 8 | 1.8% | |
| 5 | Working Capital CAPLine | 8 | 1.8% | |
| 6 | Seasonal CAPLine | 1 | 0.2% |
Franchise share
58 of 456 approvals in FY2021–FY2025 (12.7%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | PuroClean | 7 | 1.5% | |
| 2 | Goosehead Insurance | 4 | 0.9% | |
| 3 | Paul Davis Restoration | 3 | 0.7% | |
| 4 | Pedal Pub | 3 | 0.7% | |
| 5 | Play Street Museum | 2 | 0.4% | |
| 6 | Batteries Plus | 2 | 0.4% | |
| 7 | Massage Heights | 2 | 0.4% | |
| 8 | The UPS Store | 2 | 0.4% |
Questions and answers
How many SBA loans does Capital Bank, National Association make?
SBA approved 56 7(a) loans through Capital Bank, National Association in FY2025, worth $31.6M, and 456 over FY2021 to FY2025. That ranks 84th of 2,184 active 7(a) lenders by number of approvals.
How large are Capital Bank, National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $312K and the average $584K. The program-wide median was $190K.
What is Capital Bank, National Association's charge-off rate?
Of 634 disbursed loans approved in FY2010 to FY2021, SBA records 41 as charged off (6.5%), 391 as paid in full and 202 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to 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 Capital Bank, National Association lend to most?
By number of approvals in FY2021 to FY2025: agencies, brokerages, and other insurance related activities (31); computer systems design and related services (28); management, scientific, and technical consulting services (22); other professional, scientific, and technical services (22).
Where does Capital Bank, National Association make SBA loans?
In 38 states and territories. Maryland 56, Virginia 55, Florida 46, California 43, Texas 31. In Maryland it accounts for 1.1% of all 7(a) approvals.
Is Capital Bank, National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 259, against 332 in the three before: falling (-22%).
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