Lenders › Dime Commercial Bank
7(a) lenderHauppauge, New YorkFDIC-insured bank231st of 2,184 by approvals
Dime Commercial 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.
In FY2021 to FY2025 SBA approved 160 7(a) loans, worth $147M, through Dime Commercial Bank of Hauppauge, New York, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 231st among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 8 approvals totalling $12.6M, down 43% on FY2024 (14). FY2026 to 30 Jun 2026 adds 4 more.
The median approval was $540K, against $190K for the 7(a) program as a whole; 14.4% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 5 states and territories and 22 counties, led by New York (89.4%), New Jersey (7.5%) and Connecticut (1.9%). The largest industry group was accommodation and food services at 22.5% of approvals, and 7.5% of approvals were to franchise businesses.
Of 385 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (2.1%), 245 as paid in full and 132 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* | 4 | $3.6M | $962K | $901K | 28 |
| FY2025 | 8 | $12.6M | $786K | $1.6M | 109 |
| FY2024 | 14 | $10.2M | $385K | $727K | 230 |
| FY2023 | 45 | $39.7M | $510K | $883K | 561 |
| FY2022 | 40 | $28.2M | $607K | $706K | 333 |
| FY2021 | 53 | $56.7M | $548K | $1.1M | 1,085 |
| FY2020 | 61 | $102M | $1.1M | $1.7M | 1,822 |
| FY2019 | 60 | $58.7M | $599K | $979K | 804 |
| FY2018 | 59 | $57.1M | $443K | $968K | 1,084 |
| FY2017 | 44 | $34.2M | $500K | $778K | 773 |
| FY2016 | 16 | $16.6M | $625K | $1.0M | 777 |
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 240 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 | 476 | 39,899 | 639,905 |
| Cancelled or never disbursed | 91 | 5,223 | 79,313 |
| Disbursed loans | 385 | 34,676 | 560,592 |
| Paid in full | 245 | 26,873 | 435,813 |
| Charged off | 8 | 2,802 | 36,891 |
| Still outstanding (status exempt from disclosure) | 132 | 5,001 | 87,888 |
| Charged off, share of disbursed loans | 2.1% | 8.1% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.7% | 3.2% | 2.5% |
| Dollars charged off | $2.8M | $312M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 50 | 19 | 0 | 0.0% | 2.8% |
| FY2020 | 45 | 21 | 1 | 2.2% | 4.0% |
| FY2019 | 55 | 32 | 0 | 0.0% | 6.7% |
| FY2018 | 47 | 22 | 0 | 0.0% | 7.9% |
| FY2017 | 34 | 27 | 0 | 0.0% | 7.7% |
| FY2016 | 13 | 9 | 0 | — | 7.2% |
| FY2015 | 15 | 12 | 0 | — | 6.9% |
| FY2014 | 18 | 14 | 0 | — | 6.4% |
| FY2013 | 20 | 18 | 0 | — | 6.0% |
| FY2012 | 26 | 22 | 1 | — | 6.3% |
| FY2011 | 36 | 28 | 3 | 8.3% | 6.9% |
| FY2010 | 26 | 21 | 3 | — | 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 | $540K | $190K |
| Average approval | $921K | $518K |
| Approvals of $150,000 or less | 14.4% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 36.3% | 34.3% |
| Approvals to franchise businesses | 7.5% | 11.5% |
| Jobs supported per approval, as reported | 14.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.1% | 6.6% |
States served
| # | State of the business (5 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | New York | 143 | $118M | 89.4% | |
| 2 | New Jersey | 12 | $24.3M | 7.5% | |
| 3 | Connecticut | 3 | $3.8M | 1.9% | |
| 4 | Maryland | 1 | — | 0.6% | |
| 5 | South Carolina | 1 | — | 0.6% |
In New York the lender accounts for 0.7% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (22 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Suffolk County, NY | 50 | $41.8M | 31.3% | |
| 2 | Nassau County, NY | 46 | $36.5M | 28.7% | |
| 3 | Kings County, NY | 19 | $16.4M | 11.9% | |
| 4 | Queens County, NY | 15 | $11.5M | 9.4% | |
| 5 | New York County, NY | 7 | $9.3M | 4.4% | |
| 6 | Morris County, NJ | 3 | $4.5M | 1.9% | |
| 7 | Hudson County, NJ | 2 | — | 1.3% | |
| 8 | Middlesex County, NJ | 2 | — | 1.3% | |
| 9 | Union County, NJ | 2 | — | 1.3% | |
| 10 | Bronx County, NY | 2 | — | 1.3% | |
| 11 | Camden County, NJ | 1 | — | 0.6% | |
| 12 | Ocean County, NJ | 1 | — | 0.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 36 | 22.5% | |
| 2 | Retail Trade | 28 | 17.5% | |
| 3 | Construction | 16 | 10.0% | |
| 4 | Wholesale Trade | 15 | 9.4% | |
| 5 | Professional, Scientific, and Technical Services | 14 | 8.8% | |
| 6 | Manufacturing | 10 | 6.3% | |
| 7 | Other Services (except Public Administration) | 10 | 6.3% | |
| 8 | Arts, Entertainment, and Recreation | 7 | 4.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 30 | 18.8% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 3.8% | |
| 3 | Residential Building ConstructionNAICS 2361 | 5 | 3.1% | |
| 4 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 5 | 3.1% | |
| 5 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 5 | 3.1% | |
| 6 | Building Finishing ContractorsNAICS 2383 | 4 | 2.5% | |
| 7 | Other Miscellaneous ManufacturingNAICS 3399 | 4 | 2.5% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 2.5% | |
| 9 | Beer, Wine, and Distilled Alcoholic Beverage Merchant WholesalersNAICS 4248 | 4 | 2.5% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 1.9% |
Approval sizes
- $50,000 or less3.8%6
- $50,001 to $150,00010.6%17
- $150,001 to $350,00024.4%39
- $350,001 to $1 million35.0%56
- $1 million to $2 million12.5%20
- Over $2 million13.8%22
Loan terms
- 5 years or less1.9%3
- Over 5 to 10 years81.9%131
- Over 10 to 20 years1.9%3
- Over 20 years14.4%23
Age of the businesses
- Existing, more than 2 years old56.9%91
- New business, 2 years or less15.6%25
- Startup, loan funds will open the business20.6%33
- Change of ownership6.9%11
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 132 | 82.5% | |
| 2 | SBA Express Program | 25 | 15.6% | |
| 3 | 7a General | 3 | 1.9% |
Franchise share
12 of 160 approvals in FY2021–FY2025 (7.5%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Stretch Lab | 3 | 1.9% | |
| 2 | Five Guys | 1 | 0.6% | |
| 3 | Ace Hardware | 1 | 0.6% | |
| 4 | Carvel Ice Cream Shoppe | 1 | 0.6% | |
| 5 | Kilwins Chocolates and Ice Cream Store | 1 | 0.6% | |
| 6 | Duck Donuts | 1 | 0.6% | |
| 7 | Kfc | 1 | 0.6% | |
| 8 | Kiddie Academy | 1 | 0.6% |
Questions and answers
How many SBA loans does Dime Commercial Bank make?
SBA approved 8 7(a) loans through Dime Commercial Bank in FY2025, worth $12.6M, and 160 over FY2021 to FY2025. That ranks 231st of 2,184 active 7(a) lenders by number of approvals.
How large are Dime Commercial Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $540K and the average $921K. The program-wide median was $190K.
What is Dime Commercial Bank's charge-off rate?
Of 385 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (2.1%), 245 as paid in full and 132 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 Dime Commercial Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (30); other amusement and recreation industries (6); residential building construction (5); miscellaneous nondurable goods merchant wholesalers (5).
Where does Dime Commercial Bank make SBA loans?
In 5 states and territories. New York 143, New Jersey 12, Connecticut 3, Maryland 1, South Carolina 1. In New York it accounts for 0.7% of all 7(a) approvals.
Is Dime Commercial Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 67, against 154 in the three before: falling (-56%).
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