Lenders › Five Star Bank
7(a) lenderRancho Cordova, CaliforniaFDIC-insured bank49th of 2,184 by approvals
Five Star 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.
Five Star Bank (Rancho Cordova, California) is an FDIC-insured bank in the SBA 7(a) program, 49th of 2,184 by approvals in FY2021 to FY2025: 703 loans worth $247M.
In FY2025, the latest complete fiscal year, it had 6 approvals totalling $2.3M, down 88% on FY2024 (49).
The median approval was $310K, against $190K for the 7(a) program as a whole; 20.9% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 46 states and territories and 250 counties, led by California (26.2%), Texas (9.7%) and Florida (9.1%). The largest industry group was professional, scientific, and technical services at 26.6% of approvals, and 20.1% of approvals were to franchise businesses.
Of 1,472 disbursed loans approved in FY2010 to FY2021, SBA records 143 as charged off (9.7%), 519 as paid in full and 810 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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* | 0 | — | — | — | 0 |
| FY2025 | 6 | $2.3M | $331K | $384K | 57 |
| FY2024 | 49 | $19.3M | $350K | $394K | 493 |
| FY2023 | 190 | $69.8M | $350K | $367K | 2,326 |
| FY2022 | 189 | $61.6M | $305K | $326K | 1,861 |
| FY2021 | 269 | $94.3M | $275K | $350K | 2,612 |
| FY2020 | 447 | $110M | $250K | $246K | 2,570 |
| FY2019 | 366 | $85.4M | $250K | $233K | 2,452 |
| FY2018 | 279 | $69.3M | $250K | $248K | 3,001 |
| FY2017 | 120 | $30.0M | $250K | $250K | 1,138 |
| FY2016 | 22 | $7.6M | $223K | $343K | 372 |
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 1,234 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 | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,595 | 79,249 | 639,905 |
| Cancelled or never disbursed | 123 | 10,102 | 79,313 |
| Disbursed loans | 1,472 | 69,147 | 560,592 |
| Paid in full | 519 | 52,688 | 435,813 |
| Charged off | 143 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 810 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 9.7% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 6.8% | 1.5% | 2.5% |
| Dollars charged off | $26.3M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 232 | 72 | 8 | 3.4% | 2.8% |
| FY2020 | 401 | 116 | 24 | 6.0% | 4.0% |
| FY2019 | 357 | 94 | 49 | 13.7% | 6.7% |
| FY2018 | 266 | 96 | 32 | 12.0% | 7.9% |
| FY2017 | 117 | 47 | 27 | 23.1% | 7.7% |
| FY2016 | 19 | 17 | 1 | — | 7.2% |
| FY2015 | 17 | 16 | 0 | — | 6.9% |
| FY2014 | 18 | 18 | 0 | — | 6.4% |
| FY2013 | 19 | 19 | 0 | — | 6.0% |
| FY2012 | 7 | 6 | 1 | — | 6.3% |
| FY2011 | 9 | 9 | 0 | — | 6.9% |
| FY2010 | 10 | 9 | 1 | — | 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 | $310K | $190K |
| Average approval | $352K | $518K |
| Approvals of $150,000 or less | 20.9% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 26.0% | 34.3% |
| Approvals to franchise businesses | 20.1% | 11.5% |
| Jobs supported per approval, as reported | 10.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 9.7% | 6.6% |
States served
| # | State of the business (46 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 184 | $71.7M | 26.2% | |
| 2 | Texas | 68 | $20.8M | 9.7% | |
| 3 | Florida | 64 | $17.8M | 9.1% | |
| 4 | New York | 49 | $17.5M | 7.0% | |
| 5 | Colorado | 30 | $10.7M | 4.3% | |
| 6 | New Jersey | 27 | $10.7M | 3.8% | |
| 7 | Virginia | 20 | $5.2M | 2.8% | |
| 8 | Pennsylvania | 19 | $13.5M | 2.7% | |
| 9 | Illinois | 19 | $6.8M | 2.7% | |
| 10 | Georgia | 19 | $6.1M | 2.7% | |
| 11 | Washington | 17 | $5.2M | 2.4% | |
| 12 | Arizona | 15 | $4.0M | 2.1% |
In California the lender accounts for 0.5% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (250 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Sacramento County, CA | 37 | $19.1M | 5.3% | |
| 2 | Los Angeles County, CA | 34 | $9.5M | 4.8% | |
| 3 | Orange County, CA | 21 | $7.2M | 3.0% | |
| 4 | Broward County, FL | 15 | $4.5M | 2.1% | |
| 5 | Travis County, TX | 14 | $4.7M | 2.0% | |
| 6 | Maricopa County, AZ | 14 | $3.7M | 2.0% | |
| 7 | Dallas County, TX | 14 | $3.6M | 2.0% | |
| 8 | Miami-Dade County, FL | 12 | $3.0M | 1.7% | |
| 9 | San Diego County, CA | 11 | $2.6M | 1.6% | |
| 10 | Cook County, IL | 11 | $2.5M | 1.6% | |
| 11 | Queens County, NY | 10 | $2.2M | 1.4% | |
| 12 | Suffolk County, NY | 9 | $4.3M | 1.3% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 187 | 26.6% | |
| 2 | Retail Trade | 87 | 12.4% | |
| 3 | Other Services (except Public Administration) | 73 | 10.4% | |
| 4 | Arts, Entertainment, and Recreation | 65 | 9.2% | |
| 5 | Health Care and Social Assistance | 55 | 7.8% | |
| 6 | Accommodation and Food Services | 44 | 6.3% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 35 | 5.0% | |
| 8 | Manufacturing | 26 | 3.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Amusement and Recreation IndustriesNAICS 7139 | 54 | 7.7% | |
| 2 | Personal Care ServicesNAICS 8121 | 41 | 5.8% | |
| 3 | Computer Systems Design and Related ServicesNAICS 5415 | 41 | 5.8% | |
| 4 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 37 | 5.3% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 36 | 5.1% | |
| 6 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 36 | 5.1% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 25 | 3.6% | |
| 8 | Electronic Shopping and Mail-Order HousesNAICS 4541 | 24 | 3.4% | |
| 9 | Architectural, Engineering, and Related ServicesNAICS 5413 | 19 | 2.7% | |
| 10 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 18 | 2.6% |
Approval sizes
- $50,000 or less1.3%9
- $50,001 to $150,00019.6%138
- $150,001 to $350,00063.9%449
- $350,001 to $1 million11.9%84
- $1 million to $2 million2.4%17
- Over $2 million0.9%6
Loan terms
- 5 years or less0.3%2
- Over 5 to 10 years83.5%587
- Over 10 to 20 years15.1%106
- Over 20 years1.1%8
Age of the businesses
- Existing, more than 2 years old74.0%520
- New business, 2 years or less19.9%140
- Startup, loan funds will open the business6.1%43
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 689 | 98.0% | |
| 2 | SBA Express Program | 13 | 1.8% | |
| 3 | 7a General | 1 | 0.1% |
Franchise share
141 of 703 approvals in FY2021–FY2025 (20.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Rumble | 10 | 1.4% | |
| 2 | The Little Gym | 10 | 1.4% | |
| 3 | Blo Blow Dry Bar | 10 | 1.4% | |
| 4 | YogaSix | 9 | 1.3% | |
| 5 | Crumbl | 8 | 1.1% | |
| 6 | Yoga Six | 7 | 1.0% | |
| 7 | Stretch Lab | 6 | 0.9% | |
| 8 | everbowl | 5 | 0.7% |
Questions and answers
How many SBA loans does Five Star Bank make?
SBA approved 6 7(a) loans through Five Star Bank in FY2025, worth $2.3M, and 703 over FY2021 to FY2025. That ranks 49th of 2,184 active 7(a) lenders by number of approvals.
How large are Five Star Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $310K and the average $352K. The program-wide median was $190K.
What is Five Star Bank's charge-off rate?
Of 1,472 disbursed loans approved in FY2010 to FY2021, SBA records 143 as charged off (9.7%), 519 as paid in full and 810 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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 Five Star Bank lend to most?
By number of approvals in FY2021 to FY2025: other amusement and recreation industries (54); personal care services (41); computer systems design and related services (41); management, scientific, and technical consulting services (37).
Where does Five Star Bank make SBA loans?
In 46 states and territories. California 184, Texas 68, Florida 64, New York 49, Colorado 30. In California it accounts for 0.5% of all 7(a) approvals.
Is Five Star Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 245, against 905 in the three before: falling (-73%).
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