Lenders › FDIC - Community Bank & Trust-West Georgia
7(a) lenderLagrange, Georgianon-bank 7(a) lender139th of 2,184 by approvals
FDIC - Community Bank & Trust-West Georgia
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.
FDIC - Community Bank & Trust-West Georgia, based in Lagrange, Georgia, is a non-bank 7(a) lender in the SBA 7(a) program. SBA approved 265 of its 7(a) loans worth $408M in FY2021 to FY2025, which places it 139th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 123 approvals totalling $218M, up 435% on FY2024 (23). FY2026 to 30 Jun 2026 adds 59 more.
The median approval was $923K, against $190K for the 7(a) program as a whole; 0.8% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 39 states and territories and 157 counties, led by Florida (12.8%), California (11.3%) and New York (8.7%). The largest industry group was retail trade at 11.7% of approvals, and 17.0% of approvals were to franchise businesses.
Of 112 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (7.1%), 29 as paid in full and 75 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to 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* | 59 | $128M | $1.6M | $2.2M | 1,674 |
| FY2025 | 123 | $218M | $1.3M | $1.8M | 2,552 |
| FY2024 | 23 | $28.4M | $810K | $1.2M | 449 |
| FY2023 | 26 | $31.1M | $612K | $1.2M | 367 |
| FY2022 | 39 | $45.2M | $686K | $1.2M | 567 |
| FY2021 | 54 | $84.8M | $1.2M | $1.6M | 1,296 |
| FY2020 | 30 | $38.1M | $775K | $1.3M | 626 |
| FY2019 | 16 | $18.8M | $574K | $1.2M | 249 |
| FY2018 | 2 | — | — | — | 10 |
| FY2017 | 1 | — | — | — | 110 |
| FY2016 | 0 | — | — | — | 0 |
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 49 approvals. First approval on file: FY2011.
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 | Florida | 7(a) program |
|---|---|---|---|
| Approvals in these years | 112 | 31,863 | 639,905 |
| Cancelled or never disbursed | 0 | 3,596 | 79,313 |
| Disbursed loans | 112 | 28,267 | 560,592 |
| Paid in full | 29 | 20,064 | 435,813 |
| Charged off | 8 | 2,783 | 36,891 |
| Still outstanding (status exempt from disclosure) | 75 | 5,420 | 87,888 |
| Charged off, share of disbursed loans | 7.1% | 9.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 6.1% | 3.1% | 2.5% |
| Dollars charged off | $10.0M | $442M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 54 | 10 | 2 | 3.7% | 2.8% |
| FY2020 | 30 | 4 | 5 | 16.7% | 4.0% |
| FY2019 | 16 | 5 | 1 | — | 6.7% |
| FY2018 | 2 | 1 | 0 | — | 7.9% |
| FY2017 | 1 | 1 | 0 | — | 7.7% |
| FY2016 | 0 | 0 | 0 | — | 7.2% |
| FY2015 | 2 | 2 | 0 | — | 6.9% |
| FY2014 | 0 | 0 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 2 | 1 | 0 | — | 6.3% |
| FY2011 | 5 | 5 | 0 | — | 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 | $923K | $190K |
| Average approval | $1.5M | $518K |
| Approvals of $150,000 or less | 0.8% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 35.8% | 34.3% |
| Approvals to franchise businesses | 17.0% | 11.5% |
| Jobs supported per approval, as reported | 19.7 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 7.1% | 6.6% |
States served
| # | State of the business (39 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida | 34 | $61.1M | 12.8% | |
| 2 | California | 30 | $61.7M | 11.3% | |
| 3 | New York | 23 | $31.4M | 8.7% | |
| 4 | Nevada | 13 | $13.0M | 4.9% | |
| 5 | Massachusetts | 13 | $11.9M | 4.9% | |
| 6 | Illinois | 12 | $23.0M | 4.5% | |
| 7 | Colorado | 12 | $13.8M | 4.5% | |
| 8 | Texas | 12 | $9.9M | 4.5% | |
| 9 | New Jersey | 10 | $15.3M | 3.8% | |
| 10 | Tennessee | 9 | $17.5M | 3.4% | |
| 11 | Georgia | 9 | $15.4M | 3.4% | |
| 12 | Pennsylvania | 8 | $10.3M | 3.0% |
In Florida the lender accounts for 0.1% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (157 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Clark County, NV | 13 | $13.0M | 4.9% | |
| 2 | Cook County, IL | 7 | $9.3M | 2.6% | |
| 3 | Orange County, CA | 7 | $7.6M | 2.6% | |
| 4 | Los Angeles County, CA | 5 | $13.7M | 1.9% | |
| 5 | Queens County, NY | 5 | $5.2M | 1.9% | |
| 6 | Brevard County, FL | 4 | $9.9M | 1.5% | |
| 7 | Palm Beach County, FL | 4 | $8.8M | 1.5% | |
| 8 | Hampden County, MA | 4 | $5.8M | 1.5% | |
| 9 | Monroe County, NY | 4 | $4.0M | 1.5% | |
| 10 | San Bernardino County, CA | 4 | $1.6M | 1.5% | |
| 11 | Cherokee County, GA | 4 | $882K | 1.5% | |
| 12 | Broward County, FL | 3 | $7.7M | 1.1% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 31 | 11.7% | |
| 2 | Other Services (except Public Administration) | 30 | 11.3% | |
| 3 | Accommodation and Food Services | 28 | 10.6% | |
| 4 | Professional, Scientific, and Technical Services | 25 | 9.4% | |
| 5 | Health Care and Social Assistance | 25 | 9.4% | |
| 6 | Manufacturing | 23 | 8.7% | |
| 7 | Arts, Entertainment, and Recreation | 21 | 7.9% | |
| 8 | Construction | 19 | 7.2% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Amusement and Recreation IndustriesNAICS 7139 | 19 | 7.2% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 17 | 6.4% | |
| 3 | Personal Care ServicesNAICS 8121 | 10 | 3.8% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 8 | 3.0% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 8 | 3.0% | |
| 6 | Other Personal ServicesNAICS 8129 | 7 | 2.6% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 2.6% | |
| 8 | General Freight TruckingNAICS 4841 | 6 | 2.3% | |
| 9 | Architectural, Engineering, and Related ServicesNAICS 5413 | 6 | 2.3% | |
| 10 | Building Equipment ContractorsNAICS 2382 | 6 | 2.3% |
Approval sizes
- $50,001 to $150,0000.8%2
- $150,001 to $350,00010.6%28
- $350,001 to $1 million41.1%109
- $1 million to $2 million20.8%55
- Over $2 million26.8%71
Loan terms
- Over 5 to 10 years59.2%157
- Over 10 to 20 years17.4%46
- Over 20 years23.4%62
Age of the businesses
- Existing, more than 2 years old41.5%110
- New business, 2 years or less15.8%42
- Startup, loan funds will open the business20.0%53
- Change of ownership22.6%60
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 208 | 78.5% | |
| 2 | 7a General | 53 | 20.0% | |
| 3 | International Trade Loans | 4 | 1.5% |
Franchise share
45 of 265 approvals in FY2021–FY2025 (17.0%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Urban Air Adventure Park | 4 | 1.5% | |
| 2 | redbox+ | 3 | 1.1% | |
| 3 | Glo Tanning | 3 | 1.1% | |
| 4 | Sparkle and Sparkle Grooming Company | 3 | 1.1% | |
| 5 | WaterStation | 2 | 0.8% | |
| 6 | Paris Baguette | 2 | 0.8% | |
| 7 | Earthwise Pet | 2 | 0.8% | |
| 8 | The UPS Store | 2 | 0.8% |
Questions and answers
How many SBA loans does FDIC - Community Bank & Trust-West Georgia make?
SBA approved 123 7(a) loans through FDIC - Community Bank & Trust-West Georgia in FY2025, worth $218M, and 265 over FY2021 to FY2025. That ranks 139th of 2,184 active 7(a) lenders by number of approvals.
How large are FDIC - Community Bank & Trust-West Georgia's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $923K and the average $1.5M. The program-wide median was $190K.
What is FDIC - Community Bank & Trust-West Georgia's charge-off rate?
Of 112 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (7.1%), 29 as paid in full and 75 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to 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 FDIC - Community Bank & Trust-West Georgia lend to most?
By number of approvals in FY2021 to FY2025: other amusement and recreation industries (19); restaurants and other eating places (17); personal care services (10); services to buildings and dwellings (8).
Where does FDIC - Community Bank & Trust-West Georgia make SBA loans?
In 39 states and territories. Florida 34, California 30, New York 23, Nevada 13, Massachusetts 13. In Florida it accounts for 0.1% of all 7(a) approvals.
Is FDIC - Community Bank & Trust-West Georgia's SBA lending rising?
Approvals in the three latest complete fiscal years total 172, against 123 in the three before: rising (+40%).
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