Lenders › Community Bank, National Association
7(a) lenderCanton, New YorkFDIC-insured bank315th of 2,184 by approvals
Community 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.
Community Bank, National Association (Canton, New York) is an FDIC-insured bank in the SBA 7(a) program, 315th of 2,184 by approvals in FY2021 to FY2025: 101 loans worth $14.6M.
In FY2025, the latest complete fiscal year, it had 22 approvals totalling $2.7M, up 83% on FY2024 (12). FY2026 to 30 Jun 2026 adds 23 more.
The median approval was $113K, against $190K for the 7(a) program as a whole; 60.4% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 39 counties, led by New York (75.2%), Pennsylvania (19.8%) and Vermont (5.0%). The largest industry group was accommodation and food services at 24.8% of approvals, and 3.0% of approvals were to franchise businesses.
Of 571 disbursed loans approved in FY2010 to FY2021, SBA records 20 as charged off (3.5%), 493 as paid in full and 58 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* | 23 | $2.7M | $54K | $118K | 189 |
| FY2025 | 22 | $2.7M | $52K | $122K | 210 |
| FY2024 | 12 | $2.5M | $161K | $209K | 91 |
| FY2023 | 25 | $3.6M | $160K | $144K | 153 |
| FY2022 | 24 | $2.5M | $100K | $103K | 153 |
| FY2021 | 18 | $3.3M | $172K | $182K | 173 |
| FY2020 | 23 | $4.1M | $100K | $180K | 264 |
| FY2019 | 24 | $2.6M | $73K | $109K | 118 |
| FY2018 | 41 | $8.3M | $80K | $202K | 384 |
| FY2017 | 32 | $5.0M | $97K | $156K | 164 |
| FY2016 | 53 | $7.6M | $68K | $143K | 392 |
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 173 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 | New York | 7(a) program |
|---|---|---|---|
| Approvals in these years | 629 | 39,899 | 639,905 |
| Cancelled or never disbursed | 58 | 5,223 | 79,313 |
| Disbursed loans | 571 | 34,676 | 560,592 |
| Paid in full | 493 | 26,873 | 435,813 |
| Charged off | 20 | 2,802 | 36,891 |
| Still outstanding (status exempt from disclosure) | 58 | 5,001 | 87,888 |
| Charged off, share of disbursed loans | 3.5% | 8.1% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.7% | 3.2% | 2.5% |
| Dollars charged off | $1.5M | $312M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 17 | 5 | 0 | — | 2.8% |
| FY2020 | 20 | 17 | 0 | — | 4.0% |
| FY2019 | 21 | 18 | 1 | — | 6.7% |
| FY2018 | 35 | 27 | 0 | 0.0% | 7.9% |
| FY2017 | 29 | 21 | 2 | — | 7.7% |
| FY2016 | 49 | 43 | 0 | 0.0% | 7.2% |
| FY2015 | 63 | 56 | 2 | 3.2% | 6.9% |
| FY2014 | 63 | 60 | 1 | 1.6% | 6.4% |
| FY2013 | 51 | 45 | 5 | 9.8% | 6.0% |
| FY2012 | 65 | 61 | 2 | 3.1% | 6.3% |
| FY2011 | 89 | 82 | 3 | 3.4% | 6.9% |
| FY2010 | 69 | 58 | 4 | 5.8% | 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 | $113K | $190K |
| Average approval | $144K | $518K |
| Approvals of $150,000 or less | 60.4% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 52.5% | 34.3% |
| Approvals to franchise businesses | 3.0% | 11.5% |
| Jobs supported per approval, as reported | 7.7 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.5% | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | New York | 76 | $11.1M | 75.2% | |
| 2 | Pennsylvania | 20 | $2.8M | 19.8% | |
| 3 | Vermont | 5 | $641K | 5.0% |
In New York the lender accounts for 0.4% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (39 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | St. Lawrence County, NY | 8 | $1.2M | 7.9% | |
| 2 | Onondaga County, NY | 7 | $1.1M | 6.9% | |
| 3 | Luzerne County, PA | 6 | $1.6M | 5.9% | |
| 4 | Carbon County, PA | 6 | $656K | 5.9% | |
| 5 | Otsego County, NY | 6 | $463K | 5.9% | |
| 6 | Madison County, NY | 5 | $677K | 5.0% | |
| 7 | Lackawanna County, PA | 5 | $330K | 5.0% | |
| 8 | Erie County, NY | 5 | $165K | 5.0% | |
| 9 | Oswego County, NY | 4 | $1.2M | 4.0% | |
| 10 | Allegany County, NY | 4 | $251K | 4.0% | |
| 11 | Cattaraugus County, NY | 3 | $823K | 3.0% | |
| 12 | Chautauqua County, NY | 3 | $255K | 3.0% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 25 | 24.8% | |
| 2 | Retail Trade | 13 | 12.9% | |
| 3 | Other Services (except Public Administration) | 9 | 8.9% | |
| 4 | Arts, Entertainment, and Recreation | 9 | 8.9% | |
| 5 | Transportation and Warehousing | 9 | 8.9% | |
| 6 | Manufacturing | 8 | 7.9% | |
| 7 | Construction | 8 | 7.9% | |
| 8 | Health Care and Social Assistance | 6 | 5.9% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 21 | 20.8% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 8.9% | |
| 3 | Personal Care ServicesNAICS 8121 | 5 | 5.0% | |
| 4 | General Freight TruckingNAICS 4841 | 5 | 5.0% | |
| 5 | Machine Shops; Turned Product; and Screw, Nut, and Bolt ManufacturingNAICS 3327 | 3 | 3.0% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 3 | 3.0% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 3.0% | |
| 8 | Lessors of Real EstateNAICS 5311 | 3 | 3.0% | |
| 9 | Child Day Care ServicesNAICS 6244 | 3 | 3.0% | |
| 10 | Other Personal ServicesNAICS 8129 | 3 | 3.0% |
Approval sizes
- $50,000 or less27.7%28
- $50,001 to $150,00032.7%33
- $150,001 to $350,00033.7%34
- $350,001 to $1 million5.9%6
Loan terms
- 5 years or less15.8%16
- Over 5 to 10 years49.5%50
- Over 10 to 20 years30.7%31
- Over 20 years4.0%4
Age of the businesses
- Existing, more than 2 years old31.7%32
- New business, 2 years or less12.9%13
- Startup, loan funds will open the business39.6%40
- Change of ownership15.8%16
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 94 | 93.1% | |
| 2 | 7a General | 7 | 6.9% |
Franchise share
3 of 101 approvals in FY2021–FY2025 (3.0%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Subway | 2 | 2.0% | |
| 2 | Anytime Fitness | 1 | 1.0% |
Questions and answers
How many SBA loans does Community Bank, National Association make?
SBA approved 22 7(a) loans through Community Bank, National Association in FY2025, worth $2.7M, and 101 over FY2021 to FY2025. That ranks 315th of 2,184 active 7(a) lenders by number of approvals.
How large are Community Bank, National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $113K and the average $144K. The program-wide median was $190K.
What is Community Bank, National Association's charge-off rate?
Of 571 disbursed loans approved in FY2010 to FY2021, SBA records 20 as charged off (3.5%), 493 as paid in full and 58 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 Community Bank, National Association lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (21); other amusement and recreation industries (9); personal care services (5); general freight trucking (5).
Where does Community Bank, National Association make SBA loans?
In 3 states and territories. New York 76, Pennsylvania 20, Vermont 5. In New York it accounts for 0.4% of all 7(a) approvals.
Is Community Bank, National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 59, against 65 in the three before: broadly level (-9%).
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