Lenders › Commercial Bank of California
7(a) lenderIrvine, CaliforniaFDIC-insured bank220th of 2,184 by approvals
Commercial Bank 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.
Commercial Bank of California (Irvine, California) is an FDIC-insured bank in the SBA 7(a) program, 220th of 2,184 by approvals in FY2021 to FY2025: 171 loans worth $253M.
In FY2025, the latest complete fiscal year, it had 36 approvals totalling $49.6M, up 157% on FY2024 (14). FY2026 to 30 Jun 2026 adds 46 more.
The median approval was $1.0M, against $190K for the 7(a) program as a whole; 0.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 17 states and territories and 46 counties, led by California (78.9%), Washington (2.9%) and Texas (2.3%). The largest industry group was accommodation and food services at 29.8% of approvals, and 10.5% of approvals were to franchise businesses.
Of 350 disbursed loans approved in FY2010 to FY2021, SBA records 11 as charged off (3.1%), 269 as paid in full and 70 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* | 46 | $45.8M | $696K | $995K | 846 |
| FY2025 | 36 | $49.6M | $923K | $1.4M | 439 |
| FY2024 | 14 | $21.0M | $1.6M | $1.5M | 165 |
| FY2023 | 27 | $41.7M | $1.2M | $1.5M | 389 |
| FY2022 | 22 | $36.2M | $1.0M | $1.6M | 376 |
| FY2021 | 72 | $105M | $910K | $1.5M | 791 |
| FY2020 | 30 | $47.4M | $937K | $1.6M | 437 |
| FY2019 | 27 | $32.8M | $798K | $1.2M | 243 |
| FY2018 | 31 | $33.4M | $688K | $1.1M | 713 |
| FY2017 | 36 | $52.9M | $1.4M | $1.5M | 801 |
| FY2016 | 24 | $28.7M | $959K | $1.2M | 849 |
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 148 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 | 411 | 79,249 | 639,905 |
| Cancelled or never disbursed | 61 | 10,102 | 79,313 |
| Disbursed loans | 350 | 69,147 | 560,592 |
| Paid in full | 269 | 52,688 | 435,813 |
| Charged off | 11 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 70 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 3.1% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.9% | 1.5% | 2.5% |
| Dollars charged off | $3.1M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 49 | 24 | 0 | 0.0% | 2.8% |
| FY2020 | 17 | 12 | 0 | — | 4.0% |
| FY2019 | 22 | 12 | 0 | — | 6.7% |
| FY2018 | 28 | 16 | 0 | — | 7.9% |
| FY2017 | 34 | 23 | 2 | 5.9% | 7.7% |
| FY2016 | 23 | 19 | 0 | — | 7.2% |
| FY2015 | 32 | 29 | 0 | 0.0% | 6.9% |
| FY2014 | 18 | 17 | 0 | — | 6.4% |
| FY2013 | 29 | 27 | 2 | — | 6.0% |
| FY2012 | 22 | 22 | 0 | — | 6.3% |
| FY2011 | 42 | 38 | 4 | 9.5% | 6.9% |
| FY2010 | 34 | 30 | 3 | 8.8% | 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 | $1.0M | $190K |
| Average approval | $1.5M | $518K |
| Approvals of $150,000 or less | 0.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 11.1% | 34.3% |
| Approvals to franchise businesses | 10.5% | 11.5% |
| Jobs supported per approval, as reported | 12.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.1% | 6.6% |
States served
| # | State of the business (17 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 135 | $193M | 78.9% | |
| 2 | Washington | 5 | $5.4M | 2.9% | |
| 3 | Texas | 4 | $5.2M | 2.3% | |
| 4 | Arizona | 4 | $3.6M | 2.3% | |
| 5 | New Jersey | 4 | $3.5M | 2.3% | |
| 6 | Oklahoma | 3 | $2.4M | 1.8% | |
| 7 | Virginia | 2 | — | 1.2% | |
| 8 | Oregon | 2 | — | 1.2% | |
| 9 | North Carolina | 2 | — | 1.2% | |
| 10 | New York | 2 | — | 1.2% | |
| 11 | Colorado | 2 | — | 1.2% | |
| 12 | Arkansas | 1 | — | 0.6% |
In California the lender accounts for 0.4% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (46 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 49 | $75.7M | 28.7% | |
| 2 | Orange County, CA | 21 | $28.3M | 12.3% | |
| 3 | Riverside County, CA | 11 | $13.1M | 6.4% | |
| 4 | San Bernardino County, CA | 10 | $9.0M | 5.8% | |
| 5 | Santa Clara County, CA | 8 | $18.4M | 4.7% | |
| 6 | Ventura County, CA | 7 | $9.2M | 4.1% | |
| 7 | San Diego County, CA | 7 | $9.0M | 4.1% | |
| 8 | Alameda County, CA | 7 | $8.0M | 4.1% | |
| 9 | Contra Costa County, CA | 5 | $8.1M | 2.9% | |
| 10 | San Luis Obispo County, CA | 3 | $5.7M | 1.8% | |
| 11 | Chelan County, WA | 2 | — | 1.2% | |
| 12 | Bexar County, TX | 2 | — | 1.2% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 51 | 29.8% | |
| 2 | Other Services (except Public Administration) | 29 | 17.0% | |
| 3 | Retail Trade | 23 | 13.5% | |
| 4 | Health Care and Social Assistance | 17 | 9.9% | |
| 5 | Manufacturing | 15 | 8.8% | |
| 6 | Wholesale Trade | 10 | 5.8% | |
| 7 | Professional, Scientific, and Technical Services | 6 | 3.5% | |
| 8 | Transportation and Warehousing | 6 | 3.5% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 29 | 17.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 18 | 10.5% | |
| 3 | Personal Care ServicesNAICS 8121 | 13 | 7.6% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 7.0% | |
| 5 | Beer, Wine, and Liquor StoresNAICS 4453 | 6 | 3.5% | |
| 6 | Gasoline StationsNAICS 4471 | 5 | 2.9% | |
| 7 | Offices of DentistsNAICS 6212 | 5 | 2.9% | |
| 8 | Machine Shops; Turned Product; and Screw, Nut, and Bolt ManufacturingNAICS 3327 | 4 | 2.3% | |
| 9 | Petroleum and Petroleum Products Merchant WholesalersNAICS 4247 | 4 | 2.3% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 3 | 1.8% |
Approval sizes
- $50,001 to $150,0000.6%1
- $150,001 to $350,0008.8%15
- $350,001 to $1 million41.5%71
- $1 million to $2 million28.1%48
- Over $2 million21.1%36
Loan terms
- 5 years or less1.2%2
- Over 5 to 10 years29.8%51
- Over 10 to 20 years1.8%3
- Over 20 years67.3%115
Age of the businesses
- Existing, more than 2 years old77.2%132
- New business, 2 years or less8.2%14
- Startup, loan funds will open the business2.9%5
- Change of ownership11.7%20
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 158 | 92.4% | |
| 2 | 7a General | 9 | 5.3% | |
| 3 | SBA Express Program | 4 | 2.3% |
Franchise share
18 of 171 approvals in FY2021–FY2025 (10.5%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Econo Lodge | 4 | 2.3% | |
| 2 | Travelodge by Wyndham | 2 | 1.2% | |
| 3 | Ipc | 2 | 1.2% | |
| 4 | Kiddie Academy | 1 | 0.6% | |
| 5 | Best Western | 1 | 0.6% | |
| 6 | Knights Inn | 1 | 0.6% | |
| 7 | Days Inn | 1 | 0.6% | |
| 8 | Truman Arnold Companies | 1 | 0.6% |
Questions and answers
How many SBA loans does Commercial Bank of California make?
SBA approved 36 7(a) loans through Commercial Bank of California in FY2025, worth $49.6M, and 171 over FY2021 to FY2025. That ranks 220th of 2,184 active 7(a) lenders by number of approvals.
How large are Commercial Bank of California's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.0M and the average $1.5M. The program-wide median was $190K.
What is Commercial Bank of California's charge-off rate?
Of 350 disbursed loans approved in FY2010 to FY2021, SBA records 11 as charged off (3.1%), 269 as paid in full and 70 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 Commercial Bank of California lend to most?
By number of approvals in FY2021 to FY2025: traveler accommodation (29); restaurants and other eating places (18); personal care services (13); automotive repair and maintenance (12).
Where does Commercial Bank of California make SBA loans?
In 17 states and territories. California 135, Washington 5, Texas 4, Arizona 4, New Jersey 4. In California it accounts for 0.4% of all 7(a) approvals.
Is Commercial Bank of California's SBA lending rising?
Approvals in the three latest complete fiscal years total 77, against 124 in the three before: falling (-38%).
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