Lenders › Embassy National Bank
7(a) lenderLawrenceville, GeorgiaFDIC-insured bank381st of 2,184 by approvals
Embassy National 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 77 7(a) loans, worth $124M, through Embassy National Bank of Lawrenceville, Georgia, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 381st among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 11 approvals totalling $21.9M. FY2026 to 30 Jun 2026 adds 5 more.
The median approval was $1.3M, against $190K for the 7(a) program as a whole; 0.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 5 states and territories and 39 counties, led by Georgia (88.3%), Alabama (3.9%) and North Carolina (3.9%). The largest industry group was accommodation and food services at 42.9% of approvals, and 51.9% of approvals were to franchise businesses.
Of 257 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (0.4%), 193 as paid in full and 63 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* | 5 | $7.9M | $1.7M | $1.6M | 23 |
| FY2025 | 11 | $21.9M | $1.3M | $2.0M | 102 |
| FY2024 | 5 | $5.6M | $685K | $1.1M | 49 |
| FY2023 | 3 | $5.6M | $600K | $1.9M | 16 |
| FY2022 | 19 | $39.4M | $1.6M | $2.1M | 244 |
| FY2021 | 39 | $51.1M | $945K | $1.3M | 277 |
| FY2020 | 33 | $43.4M | $1.4M | $1.3M | 297 |
| FY2019 | 35 | $44.0M | $1.0M | $1.3M | 340 |
| FY2018 | 16 | $27.2M | $1.1M | $1.7M | 179 |
| FY2017 | 20 | $31.3M | $1.5M | $1.6M | 247 |
| FY2016 | 24 | $28.5M | $915K | $1.2M | 244 |
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 128 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 | Georgia | 7(a) program |
|---|---|---|---|
| Approvals in these years | 303 | 17,911 | 639,905 |
| Cancelled or never disbursed | 46 | 2,110 | 79,313 |
| Disbursed loans | 257 | 15,801 | 560,592 |
| Paid in full | 193 | 11,453 | 435,813 |
| Charged off | 1 | 1,077 | 36,891 |
| Still outstanding (status exempt from disclosure) | 63 | 3,271 | 87,888 |
| Charged off, share of disbursed loans | 0.4% | 6.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.2% | 2.0% | 2.5% |
| Dollars charged off | $534K | $230M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 33 | 16 | 0 | 0.0% | 2.8% |
| FY2020 | 22 | 10 | 0 | — | 4.0% |
| FY2019 | 28 | 17 | 0 | — | 6.7% |
| FY2018 | 15 | 9 | 0 | — | 7.9% |
| FY2017 | 17 | 11 | 0 | — | 7.7% |
| FY2016 | 21 | 19 | 0 | — | 7.2% |
| FY2015 | 22 | 22 | 0 | — | 6.9% |
| FY2014 | 24 | 20 | 0 | — | 6.4% |
| FY2013 | 23 | 23 | 0 | — | 6.0% |
| FY2012 | 15 | 15 | 0 | — | 6.3% |
| FY2011 | 29 | 25 | 1 | — | 6.9% |
| FY2010 | 8 | 6 | 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 | $1.3M | $190K |
| Average approval | $1.6M | $518K |
| Approvals of $150,000 or less | 0.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 49.4% | 34.3% |
| Approvals to franchise businesses | 51.9% | 11.5% |
| Jobs supported per approval, as reported | 8.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 0.4% | 6.6% |
States served
| # | State of the business (5 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Georgia | 68 | $98.2M | 88.3% | |
| 2 | Alabama | 3 | $7.3M | 3.9% | |
| 3 | North Carolina | 3 | $6.0M | 3.9% | |
| 4 | Florida | 2 | — | 2.6% | |
| 5 | South Carolina | 1 | — | 1.3% |
In Georgia the lender accounts for 0.7% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (39 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Gwinnett County, GA | 10 | $16.0M | 13.0% | |
| 2 | Fulton County, GA | 6 | $6.7M | 7.8% | |
| 3 | Spalding County, GA | 5 | $11.4M | 6.5% | |
| 4 | Cobb County, GA | 5 | $5.9M | 6.5% | |
| 5 | Henry County, GA | 4 | $11.1M | 5.2% | |
| 6 | Chatham County, GA | 4 | $3.9M | 5.2% | |
| 7 | Cherokee County, GA | 3 | $4.6M | 3.9% | |
| 8 | Bibb County, GA | 3 | $3.6M | 3.9% | |
| 9 | Gordon County, GA | 2 | — | 2.6% | |
| 10 | DeKalb County, GA | 2 | — | 2.6% | |
| 11 | Forsyth County, GA | 2 | — | 2.6% | |
| 12 | Vance County, NC | 2 | — | 2.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 33 | 42.9% | |
| 2 | Retail Trade | 20 | 26.0% | |
| 3 | Health Care and Social Assistance | 7 | 9.1% | |
| 4 | Other Services (except Public Administration) | 5 | 6.5% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 3 | 3.9% | |
| 6 | Professional, Scientific, and Technical Services | 3 | 3.9% | |
| 7 | Manufacturing | 2 | 2.6% | |
| 8 | Wholesale Trade | 2 | 2.6% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 30 | 39.0% | |
| 2 | Gasoline StationsNAICS 4471 | 15 | 19.5% | |
| 3 | Offices of DentistsNAICS 6212 | 4 | 5.2% | |
| 4 | Poultry and Egg ProductionNAICS 1123 | 3 | 3.9% | |
| 5 | Beer, Wine, and Liquor StoresNAICS 4453 | 2 | 2.6% | |
| 6 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 2 | 2.6% | |
| 7 | Gasoline StationsNAICS 4571 | 2 | 2.6% | |
| 8 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 2.6% | |
| 9 | Electronic and Precision Equipment Repair and MaintenanceNAICS 8112 | 2 | 2.6% | |
| 10 | Architectural, Engineering, and Related ServicesNAICS 5413 | 2 | 2.6% |
Approval sizes
- $150,001 to $350,00010.4%8
- $350,001 to $1 million32.5%25
- $1 million to $2 million31.2%24
- Over $2 million26.0%20
Loan terms
- Over 5 to 10 years10.4%8
- Over 10 to 20 years5.2%4
- Over 20 years84.4%65
Age of the businesses
- Existing, more than 2 years old40.3%31
- New business, 2 years or less44.2%34
- Startup, loan funds will open the business5.2%4
- Change of ownership7.8%6
- Not answered2.6%2
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 69 | 89.6% | |
| 2 | 7a General | 6 | 7.8% | |
| 3 | Working Capital CAPLine | 2 | 2.6% |
Franchise share
40 of 77 approvals in FY2021–FY2025 (51.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Quality Inn | 4 | 5.2% | |
| 2 | Red Roof Inn | 3 | 3.9% | |
| 3 | Country Inn and Suites by Radisson | 2 | 2.6% | |
| 4 | Econo Lodge | 2 | 2.6% | |
| 5 | Thompson-Kenny | 2 | 2.6% | |
| 6 | Bruster's Real Ice Cream | 2 | 2.6% | |
| 7 | Baymont by Wyndham | 2 | 2.6% | |
| 8 | The UPS Store | 2 | 2.6% |
Questions and answers
How many SBA loans does Embassy National Bank make?
SBA approved 11 7(a) loans through Embassy National Bank in FY2025, worth $21.9M, and 77 over FY2021 to FY2025. That ranks 381st of 2,184 active 7(a) lenders by number of approvals.
How large are Embassy National Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.3M and the average $1.6M. The program-wide median was $190K.
What is Embassy National Bank's charge-off rate?
Of 257 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (0.4%), 193 as paid in full and 63 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 Embassy National Bank lend to most?
By number of approvals in FY2021 to FY2025: traveler accommodation (30); gasoline stations (15); offices of dentists (4); poultry and egg production (3).
Where does Embassy National Bank make SBA loans?
In 5 states and territories. Georgia 68, Alabama 3, North Carolina 3, Florida 2, South Carolina 1. In Georgia it accounts for 0.7% of all 7(a) approvals.
Is Embassy National Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 19, against 91 in the three before: falling (-79%).
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