Lenders › Community National Bank & Trust
7(a) lenderChanute, KansasFDIC-insured bank423rd of 2,184 by approvals
Community National Bank & Trust
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.
In FY2021 to FY2025 SBA approved 67 7(a) loans, worth $24.8M, through Community National Bank & Trust of Chanute, Kansas, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 423rd among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 11 approvals totalling $6.4M, down 21% on FY2024 (14). FY2026 to 30 Jun 2026 adds 15 more.
The median approval was $200K, against $190K for the 7(a) program as a whole; 44.8% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 8 states and territories and 31 counties, led by Kansas (62.7%), Missouri (26.9%) and Alabama (3.0%). The largest industry group was accommodation and food services at 29.9% of approvals, and 26.9% of approvals were to franchise businesses.
Of 69 disbursed loans approved in FY2010 to FY2021, SBA records 3 as charged off (4.3%), 51 as paid in full and 15 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* | 15 | $6.0M | $250K | $397K | 106 |
| FY2025 | 11 | $6.4M | $330K | $581K | 91 |
| FY2024 | 14 | $5.3M | $165K | $376K | 67 |
| FY2023 | 16 | $7.0M | $158K | $439K | 121 |
| FY2022 | 16 | $2.8M | $142K | $175K | 81 |
| FY2021 | 10 | $3.3M | $297K | $333K | 105 |
| FY2020 | 12 | $2.1M | $100K | $173K | 126 |
| FY2019 | 6 | $1.0M | $166K | $170K | 57 |
| FY2018 | 13 | $2.5M | $125K | $191K | 97 |
| FY2017 | 12 | $7.2M | $245K | $596K | 110 |
| FY2016 | 3 | $475K | $125K | $158K | 33 |
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 46 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 | Kansas | 7(a) program |
|---|---|---|---|
| Approvals in these years | 77 | 5,222 | 639,905 |
| Cancelled or never disbursed | 8 | 516 | 79,313 |
| Disbursed loans | 69 | 4,706 | 560,592 |
| Paid in full | 51 | 3,700 | 435,813 |
| Charged off | 3 | 290 | 36,891 |
| Still outstanding (status exempt from disclosure) | 15 | 716 | 87,888 |
| Charged off, share of disbursed loans | 4.3% | 6.2% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.2% | 3.5% | 2.5% |
| Dollars charged off | $242K | $63.5M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 10 | 4 | 1 | — | 2.8% |
| FY2020 | 12 | 8 | 0 | — | 4.0% |
| FY2019 | 6 | 4 | 1 | — | 6.7% |
| FY2018 | 13 | 11 | 0 | — | 7.9% |
| FY2017 | 10 | 8 | 0 | — | 7.7% |
| FY2016 | 3 | 3 | 0 | — | 7.2% |
| FY2015 | 3 | 3 | 0 | — | 6.9% |
| FY2014 | 2 | 2 | 0 | — | 6.4% |
| FY2013 | 5 | 4 | 0 | — | 6.0% |
| FY2012 | 1 | 1 | 0 | — | 6.3% |
| FY2011 | 4 | 3 | 1 | — | 6.9% |
| FY2010 | 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 | $200K | $190K |
| Average approval | $370K | $518K |
| Approvals of $150,000 or less | 44.8% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 44.8% | 34.3% |
| Approvals to franchise businesses | 26.9% | 11.5% |
| Jobs supported per approval, as reported | 6.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.3% | 6.6% |
States served
| # | State of the business (8 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Kansas | 42 | $12.6M | 62.7% | |
| 2 | Missouri | 18 | $9.7M | 26.9% | |
| 3 | Alabama | 2 | — | 3.0% | |
| 4 | Florida | 1 | — | 1.5% | |
| 5 | Indiana | 1 | — | 1.5% | |
| 6 | Oklahoma | 1 | — | 1.5% | |
| 7 | Illinois | 1 | — | 1.5% | |
| 8 | Nebraska | 1 | — | 1.5% |
In Kansas the lender accounts for 1.9% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (31 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Butler County, KS | 11 | $2.9M | 16.4% | |
| 2 | Sedgwick County, KS | 6 | $4.8M | 9.0% | |
| 3 | Jasper County, MO | 5 | $4.5M | 7.5% | |
| 4 | Johnson County, KS | 5 | $1.2M | 7.5% | |
| 5 | Vernon County, MO | 4 | $2.8M | 6.0% | |
| 6 | Greenwood County, KS | 3 | $462K | 4.5% | |
| 7 | Allen County, KS | 3 | $160K | 4.5% | |
| 8 | Neosho County, KS | 3 | $135K | 4.5% | |
| 9 | Escambia County, AL | 2 | — | 3.0% | |
| 10 | Benton County, MO | 2 | — | 3.0% | |
| 11 | Cowley County, KS | 2 | — | 3.0% | |
| 12 | Wyandotte County, KS | 2 | — | 3.0% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 20 | 29.9% | |
| 2 | Retail Trade | 15 | 22.4% | |
| 3 | Arts, Entertainment, and Recreation | 8 | 11.9% | |
| 4 | Construction | 5 | 7.5% | |
| 5 | Health Care and Social Assistance | 4 | 6.0% | |
| 6 | Manufacturing | 3 | 4.5% | |
| 7 | Professional, Scientific, and Technical Services | 3 | 4.5% | |
| 8 | Other Services (except Public Administration) | 3 | 4.5% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 20 | 29.9% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 7.5% | |
| 3 | Beer, Wine, and Liquor StoresNAICS 4453 | 3 | 4.5% | |
| 4 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 3 | 4.5% | |
| 5 | Promoters of Performing Arts, Sports, and Similar EventsNAICS 7113 | 2 | 3.0% | |
| 6 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 2 | 3.0% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 2 | 3.0% | |
| 8 | Offices of Other Health PractitionersNAICS 6213 | 2 | 3.0% | |
| 9 | Support Activities for Crop ProductionNAICS 1151 | 2 | 3.0% | |
| 10 | Sporting Goods, Hobby, and Musical Instrument StoresNAICS 4511 | 2 | 3.0% |
Approval sizes
- $50,000 or less22.4%15
- $50,001 to $150,00022.4%15
- $150,001 to $350,00028.4%19
- $350,001 to $1 million17.9%12
- $1 million to $2 million6.0%4
- Over $2 million3.0%2
Loan terms
- 5 years or less10.4%7
- Over 5 to 10 years58.2%39
- Over 10 to 20 years19.4%13
- Over 20 years11.9%8
Age of the businesses
- Existing, more than 2 years old34.3%23
- New business, 2 years or less22.4%15
- Startup, loan funds will open the business22.4%15
- Change of ownership20.9%14
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 41 | 61.2% | |
| 2 | SBA Express Program | 23 | 34.3% | |
| 3 | 7a General | 3 | 4.5% |
Franchise share
18 of 67 approvals in FY2021–FY2025 (26.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Domino's Pizza | 14 | 20.9% | |
| 2 | DQ Grill & Chill Operating Agreement | 3 | 4.5% | |
| 3 | Fresh Coat | 1 | 1.5% |
Questions and answers
How many SBA loans does Community National Bank & Trust make?
SBA approved 11 7(a) loans through Community National Bank & Trust in FY2025, worth $6.4M, and 67 over FY2021 to FY2025. That ranks 423rd of 2,184 active 7(a) lenders by number of approvals.
How large are Community National Bank & Trust's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $200K and the average $370K. The program-wide median was $190K.
What is Community National Bank & Trust's charge-off rate?
Of 69 disbursed loans approved in FY2010 to FY2021, SBA records 3 as charged off (4.3%), 51 as paid in full and 15 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 National Bank & Trust lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (20); other amusement and recreation industries (5); beer, wine, and liquor stores (3); sporting goods, hobby, and musical instrument retailers (3).
Where does Community National Bank & Trust make SBA loans?
In 8 states and territories. Kansas 42, Missouri 18, Alabama 2, Florida 1, Indiana 1. In Kansas it accounts for 1.9% of all 7(a) approvals.
Is Community National Bank & Trust's SBA lending rising?
Approvals in the three latest complete fiscal years total 41, against 38 in the three before: broadly level (+8%).
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