Lenders › Capital Community Bank
7(a) lenderProvo, UtahFDIC-insured bank372nd of 2,184 by approvals
Capital Community 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.
Capital Community Bank, based in Provo, Utah, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 81 of its 7(a) loans worth $66.7M in FY2021 to FY2025, which places it 372nd of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 44 approvals totalling $39.8M. FY2026 to 30 Jun 2026 adds 60 more.
The median approval was $435K, against $190K for the 7(a) program as a whole; 12.3% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 13 states and territories and 25 counties, led by Utah (72.8%), Texas (6.2%) and Arizona (6.2%). The largest industry group was construction at 16.0% of approvals, and 7.4% of approvals were to franchise businesses.
Capital Community Bank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
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* | 60 | $38.8M | $405K | $647K | 755 |
| FY2025 | 44 | $39.8M | $450K | $904K | 684 |
| FY2024 | 8 | $6.0M | $459K | $745K | 143 |
| FY2023 | 16 | $15.3M | $889K | $955K | 448 |
| FY2022 | 12 | $5.4M | $270K | $446K | 203 |
| FY2021 | 1 | — | — | — | 26 |
| FY2020 | 0 | — | — | — | 0 |
| FY2019 | 0 | — | — | — | 0 |
| FY2018 | 0 | — | — | — | 0 |
| FY2017 | 0 | — | — | — | 0 |
| FY2016 | 2 | — | — | — | 92 |
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 2 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 | Utah | 7(a) program |
|---|---|---|---|
| Approvals in these years | 16 | 12,601 | 639,905 |
| Cancelled or never disbursed | 1 | 1,336 | 79,313 |
| Disbursed loans | 15 | 11,265 | 560,592 |
| Paid in full | 15 | 9,360 | 435,813 |
| Charged off | 0 | 583 | 36,891 |
| Still outstanding (status exempt from disclosure) | 0 | 1,322 | 87,888 |
| Charged off, share of disbursed loans | too few loans | 5.2% | 6.6% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.1% | 2.5% |
| Dollars charged off | — | $83.3M | $5.70bn |
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $435K | $190K |
| Average approval | $823K | $518K |
| Approvals of $150,000 or less | 12.3% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 24.7% | 34.3% |
| Approvals to franchise businesses | 7.4% | 11.5% |
| Jobs supported per approval, as reported | 18.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 6.6% |
States served
| # | State of the business (13 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Utah | 59 | $43.3M | 72.8% | |
| 2 | Texas | 5 | $6.6M | 6.2% | |
| 3 | Arizona | 5 | $5.6M | 6.2% | |
| 4 | Washington | 3 | $1.5M | 3.7% | |
| 5 | Tennessee | 1 | — | 1.2% | |
| 6 | New York | 1 | — | 1.2% | |
| 7 | Ohio | 1 | — | 1.2% | |
| 8 | Florida | 1 | — | 1.2% | |
| 9 | Connecticut | 1 | — | 1.2% | |
| 10 | Minnesota | 1 | — | 1.2% | |
| 11 | California | 1 | — | 1.2% | |
| 12 | North Carolina | 1 | — | 1.2% |
In Utah the lender accounts for 1.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (25 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Utah County, UT | 28 | $11.3M | 34.6% | |
| 2 | Salt Lake County, UT | 14 | $13.9M | 17.3% | |
| 3 | Washington County, UT | 12 | $8.4M | 14.8% | |
| 4 | Maricopa County, AZ | 4 | $5.5M | 4.9% | |
| 5 | Davis County, UT | 2 | — | 2.5% | |
| 6 | Grays Harbor County, WA | 2 | — | 2.5% | |
| 7 | Collin County, TX | 1 | — | 1.2% | |
| 8 | Davidson County, TN | 1 | — | 1.2% | |
| 9 | Duchesne County, UT | 1 | — | 1.2% | |
| 10 | Orleans County, NY | 1 | — | 1.2% | |
| 11 | Fairfield County, OH | 1 | — | 1.2% | |
| 12 | Wasatch County, UT | 1 | — | 1.2% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 13 | 16.0% | |
| 2 | Professional, Scientific, and Technical Services | 13 | 16.0% | |
| 3 | Accommodation and Food Services | 12 | 14.8% | |
| 4 | Wholesale Trade | 9 | 11.1% | |
| 5 | Retail Trade | 8 | 9.9% | |
| 6 | Manufacturing | 8 | 9.9% | |
| 7 | Health Care and Social Assistance | 5 | 6.2% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 3 | 3.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 12.3% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 4 | 4.9% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 4.9% | |
| 4 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 4 | 4.9% | |
| 5 | Architectural, Engineering, and Related ServicesNAICS 5413 | 4 | 4.9% | |
| 6 | Architectural and Structural Metals ManufacturingNAICS 3323 | 3 | 3.7% | |
| 7 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 3 | 3.7% | |
| 8 | Gasoline StationsNAICS 4571 | 2 | 2.5% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 2 | 2.5% | |
| 10 | Other Miscellaneous ManufacturingNAICS 3399 | 2 | 2.5% |
Approval sizes
- $50,000 or less1.2%1
- $50,001 to $150,00011.1%9
- $150,001 to $350,00029.6%24
- $350,001 to $1 million32.1%26
- $1 million to $2 million17.3%14
- Over $2 million8.6%7
Loan terms
- 5 years or less1.2%1
- Over 5 to 10 years77.8%63
- Over 10 to 20 years9.9%8
- Over 20 years11.1%9
Age of the businesses
- Existing, more than 2 years old49.4%40
- New business, 2 years or less17.3%14
- Startup, loan funds will open the business7.4%6
- Change of ownership25.9%21
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 51 | 63.0% | |
| 2 | 7a General | 18 | 22.2% | |
| 3 | SBA Express Program | 12 | 14.8% |
Franchise share
6 of 81 approvals in FY2021–FY2025 (7.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Crumbl | 1 | 1.2% | |
| 2 | The Back Nine | 1 | 1.2% | |
| 3 | The Break Sports Grill | 1 | 1.2% | |
| 4 | 1-800-Striper | 1 | 1.2% | |
| 5 | The Great Greek Mediterranean Grill | 1 | 1.2% | |
| 6 | Crave Cookies | 1 | 1.2% |
Questions and answers
How many SBA loans does Capital Community Bank make?
SBA approved 44 7(a) loans through Capital Community Bank in FY2025, worth $39.8M, and 81 over FY2021 to FY2025. That ranks 372nd of 2,184 active 7(a) lenders by number of approvals.
How large are Capital Community Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $435K and the average $823K. The program-wide median was $190K.
What is Capital Community Bank's charge-off rate?
Capital Community Bank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. 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 Community Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (10); building equipment contractors (4); other specialty trade contractors (4); miscellaneous nondurable goods merchant wholesalers (4).
Where does Capital Community Bank make SBA loans?
In 13 states and territories. Utah 59, Texas 5, Arizona 5, Washington 3, Tennessee 1. In Utah it accounts for 1.2% of all 7(a) approvals.
Is Capital Community Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 68, against 13 in the three before: rising (+423%).
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