Lenders › InBank
7(a) lenderRaton, New MexicoFDIC-insured bank317th of 2,184 by approvals
InBank
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 100 7(a) loans, worth $133M, through InBank of Raton, New Mexico, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 317th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 18 approvals totalling $29.5M, down 49% on FY2024 (35). FY2026 to 30 Jun 2026 adds 1 more.
The median approval was $702K, against $190K for the 7(a) program as a whole; 6.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 17 states and territories and 41 counties, led by Colorado (54.0%), California (13.0%) and Arizona (7.0%). The largest industry group was accommodation and food services at 16.0% of approvals, and 9.0% of approvals were to franchise businesses.
InBank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
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* | 1 | — | — | — | 0 |
| FY2025 | 18 | $29.5M | $778K | $1.6M | 136 |
| FY2024 | 35 | $55.7M | $1.1M | $1.6M | 821 |
| FY2023 | 20 | $22.8M | $535K | $1.1M | 317 |
| FY2022 | 14 | $14.7M | $545K | $1.0M | 385 |
| FY2021 | 13 | $10.3M | $459K | $794K | 434 |
| FY2020 | 2 | — | — | — | 16 |
| FY2019 | 1 | — | — | — | 12 |
| FY2018 | 0 | — | — | — | 0 |
| FY2017 | 0 | — | — | — | 0 |
| 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 3 approvals. First approval on file: FY2019.
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 | Colorado | 7(a) program |
|---|---|---|---|
| Approvals in these years | 16 | 15,975 | 639,905 |
| Cancelled or never disbursed | 1 | 1,999 | 79,313 |
| Disbursed loans | 15 | 13,976 | 560,592 |
| Paid in full | 6 | 10,957 | 435,813 |
| Charged off | 0 | 792 | 36,891 |
| Still outstanding (status exempt from disclosure) | 9 | 2,227 | 87,888 |
| Charged off, share of disbursed loans | too few loans | 5.7% | 6.6% |
| Dollars charged off, share of disbursed dollars | too few loans | 1.8% | 2.5% |
| Dollars charged off | — | $120M | $5.70bn |
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $702K | $190K |
| Average approval | $1.3M | $518K |
| Approvals of $150,000 or less | 6.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 30.0% | 34.3% |
| Approvals to franchise businesses | 9.0% | 11.5% |
| Jobs supported per approval, as reported | 20.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 6.6% |
States served
| # | State of the business (17 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Colorado | 54 | $53.9M | 54.0% | |
| 2 | California | 13 | $26.1M | 13.0% | |
| 3 | Arizona | 7 | $8.8M | 7.0% | |
| 4 | Texas | 4 | $7.8M | 4.0% | |
| 5 | Florida | 3 | $8.6M | 3.0% | |
| 6 | New York | 3 | $4.9M | 3.0% | |
| 7 | Nebraska | 3 | $3.1M | 3.0% | |
| 8 | Nevada | 2 | — | 2.0% | |
| 9 | New Jersey | 2 | — | 2.0% | |
| 10 | Ohio | 2 | — | 2.0% | |
| 11 | Pennsylvania | 1 | — | 1.0% | |
| 12 | Georgia | 1 | — | 1.0% |
In Colorado the lender accounts for 0.7% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (41 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Arapahoe County, CO | 14 | $9.4M | 14.0% | |
| 2 | Denver County, CO | 12 | $16.2M | 12.0% | |
| 3 | Jefferson County, CO | 8 | $8.2M | 8.0% | |
| 4 | El Paso County, CO | 7 | $8.5M | 7.0% | |
| 5 | Maricopa County, AZ | 5 | $7.6M | 5.0% | |
| 6 | Adams County, CO | 4 | $4.5M | 4.0% | |
| 7 | Sonoma County, CA | 3 | $8.1M | 3.0% | |
| 8 | Santa Clara County, CA | 3 | $5.9M | 3.0% | |
| 9 | Lancaster County, NE | 3 | $3.1M | 3.0% | |
| 10 | Los Angeles County, CA | 3 | $2.8M | 3.0% | |
| 11 | Clark County, NV | 2 | — | 2.0% | |
| 12 | San Francisco County, CA | 2 | — | 2.0% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 16 | 16.0% | |
| 2 | Retail Trade | 14 | 14.0% | |
| 3 | Professional, Scientific, and Technical Services | 13 | 13.0% | |
| 4 | Construction | 11 | 11.0% | |
| 5 | Transportation and Warehousing | 8 | 8.0% | |
| 6 | Other Services (except Public Administration) | 8 | 8.0% | |
| 7 | Manufacturing | 6 | 6.0% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 5 | 5.0% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 13.0% | |
| 2 | General Freight TruckingNAICS 4841 | 6 | 6.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 5.0% | |
| 4 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 5 | 5.0% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 4.0% | |
| 6 | Pharmaceutical and Medicine ManufacturingNAICS 3254 | 3 | 3.0% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 3.0% | |
| 8 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 3 | 3.0% | |
| 9 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 2 | 2.0% | |
| 10 | Automobile DealersNAICS 4411 | 2 | 2.0% |
Approval sizes
- $50,000 or less2.0%2
- $50,001 to $150,0004.0%4
- $150,001 to $350,00016.0%16
- $350,001 to $1 million41.0%41
- $1 million to $2 million14.0%14
- Over $2 million23.0%23
Loan terms
- 5 years or less2.0%2
- Over 5 to 10 years75.0%75
- Over 10 to 20 years8.0%8
- Over 20 years15.0%15
Age of the businesses
- Existing, more than 2 years old41.0%41
- New business, 2 years or less14.0%14
- Startup, loan funds will open the business16.0%16
- Change of ownership29.0%29
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 64 | 64.0% | |
| 2 | 7a General | 27 | 27.0% | |
| 3 | SBA Express Program | 9 | 9.0% |
Franchise share
9 of 100 approvals in FY2021–FY2025 (9.0%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | The Glass Guru | 2 | 2.0% | |
| 2 | World Fuel Services Inc. | 1 | 1.0% | |
| 3 | Mici Handcrafted Italian | 1 | 1.0% | |
| 4 | Bonchon | 1 | 1.0% | |
| 5 | Restoration 1 | 1 | 1.0% | |
| 6 | KidStrong | 1 | 1.0% | |
| 7 | Payroll Vault | 1 | 1.0% | |
| 8 | Ziggi's Coffee | 1 | 1.0% |
Questions and answers
How many SBA loans does InBank make?
SBA approved 18 7(a) loans through InBank in FY2025, worth $29.5M, and 100 over FY2021 to FY2025. That ranks 317th of 2,184 active 7(a) lenders by number of approvals.
How large are InBank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $702K and the average $1.3M. The program-wide median was $190K.
What is InBank's charge-off rate?
InBank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. 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 InBank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (13); general freight trucking (6); automotive repair and maintenance (5); management, scientific, and technical consulting services (5).
Where does InBank make SBA loans?
In 17 states and territories. Colorado 54, California 13, Arizona 7, Texas 4, Florida 3. In Colorado it accounts for 0.7% of all 7(a) approvals.
Is InBank's SBA lending rising?
Approvals in the three latest complete fiscal years total 73, against 29 in the three before: rising (+152%).
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