Lenders › Loyal Trust Bank
7(a) lenderJohns Creek, GeorgiaFDIC-insured bank272nd of 2,184 by approvals
Loyal Trust 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.
Loyal Trust Bank, based in Johns Creek, Georgia, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 126 of its 7(a) loans worth $118M in FY2021 to FY2025, which places it 272nd of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 31 approvals totalling $29.8M, up 48% on FY2024 (21). FY2026 to 30 Jun 2026 adds 10 more.
The median approval was $569K, against $190K for the 7(a) program as a whole; 7.9% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 10 states and territories and 38 counties, led by Georgia (86.5%), Alabama (5.6%) and Florida (2.4%). The largest industry group was accommodation and food services at 37.3% of approvals, and 11.9% of approvals were to franchise businesses.
Of 32 disbursed loans approved in FY2010 to FY2021, SBA records 0 as charged off (0.0%), 8 as paid in full and 24 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* | 10 | $20.1M | $1.1M | $2.0M | 71 |
| FY2025 | 31 | $29.8M | $655K | $962K | 378 |
| FY2024 | 21 | $29.4M | $640K | $1.4M | 496 |
| FY2023 | 20 | $18.4M | $598K | $922K | 175 |
| FY2022 | 24 | $22.3M | $498K | $928K | 198 |
| FY2021 | 30 | $18.0M | $381K | $599K | 162 |
| FY2020 | 2 | — | — | — | 14 |
| FY2019 | 0 | — | — | — | 0 |
| 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 2 approvals. First approval on file: FY2020.
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 | 32 | 17,911 | 639,905 |
| Cancelled or never disbursed | 0 | 2,110 | 79,313 |
| Disbursed loans | 32 | 15,801 | 560,592 |
| Paid in full | 8 | 11,453 | 435,813 |
| Charged off | 0 | 1,077 | 36,891 |
| Still outstanding (status exempt from disclosure) | 24 | 3,271 | 87,888 |
| Charged off, share of disbursed loans | 0.0% | 6.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.0% | 2.0% | 2.5% |
| Dollars charged off | $0 | $230M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 30 | 7 | 0 | 0.0% | 2.8% |
| FY2020 | 2 | 1 | 0 | — | 4.0% |
| FY2019 | 0 | 0 | 0 | — | 6.7% |
| FY2018 | 0 | 0 | 0 | — | 7.9% |
| FY2017 | 0 | 0 | 0 | — | 7.7% |
| FY2016 | 0 | 0 | 0 | — | 7.2% |
| FY2015 | 0 | 0 | 0 | — | 6.9% |
| FY2014 | 0 | 0 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 0 | 0 | 0 | — | 6.3% |
| FY2011 | 0 | 0 | 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 | $569K | $190K |
| Average approval | $936K | $518K |
| Approvals of $150,000 or less | 7.9% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 61.1% | 34.3% |
| Approvals to franchise businesses | 11.9% | 11.5% |
| Jobs supported per approval, as reported | 11.2 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 0.0% | 6.6% |
States served
| # | State of the business (10 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Georgia | 109 | $103M | 86.5% | |
| 2 | Alabama | 7 | $4.9M | 5.6% | |
| 3 | Florida | 3 | $2.3M | 2.4% | |
| 4 | Tennessee | 1 | — | 0.8% | |
| 5 | Oklahoma | 1 | — | 0.8% | |
| 6 | Texas | 1 | — | 0.8% | |
| 7 | North Carolina | 1 | — | 0.8% | |
| 8 | Indiana | 1 | — | 0.8% | |
| 9 | California | 1 | — | 0.8% | |
| 10 | South Carolina | 1 | — | 0.8% |
In Georgia the lender accounts for 1.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (38 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Gwinnett County, GA | 37 | $29.4M | 29.4% | |
| 2 | Fulton County, GA | 17 | $14.9M | 13.5% | |
| 3 | DeKalb County, GA | 17 | $11.4M | 13.5% | |
| 4 | Cobb County, GA | 8 | $7.4M | 6.3% | |
| 5 | Lumpkin County, GA | 3 | $4.3M | 2.4% | |
| 6 | Barrow County, GA | 3 | $4.1M | 2.4% | |
| 7 | Clayton County, GA | 3 | $3.6M | 2.4% | |
| 8 | Jackson County, GA | 3 | $1.6M | 2.4% | |
| 9 | Montgomery County, AL | 3 | $1.4M | 2.4% | |
| 10 | Muscogee County, GA | 2 | — | 1.6% | |
| 11 | Forsyth County, GA | 2 | — | 1.6% | |
| 12 | Dawson County, GA | 2 | — | 1.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 47 | 37.3% | |
| 2 | Retail Trade | 31 | 24.6% | |
| 3 | Other Services (except Public Administration) | 17 | 13.5% | |
| 4 | Health Care and Social Assistance | 6 | 4.8% | |
| 5 | Wholesale Trade | 6 | 4.8% | |
| 6 | Manufacturing | 4 | 3.2% | |
| 7 | Real Estate and Rental and Leasing | 3 | 2.4% | |
| 8 | Arts, Entertainment, and Recreation | 3 | 2.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 36 | 28.6% | |
| 2 | Grocery StoresNAICS 4451 | 14 | 11.1% | |
| 3 | Drycleaning and Laundry ServicesNAICS 8123 | 11 | 8.7% | |
| 4 | Traveler AccommodationNAICS 7211 | 6 | 4.8% | |
| 5 | Health and Personal Care RetailersNAICS 4561 | 6 | 4.8% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 4.8% | |
| 7 | Gasoline StationsNAICS 4571 | 5 | 4.0% | |
| 8 | Health and Personal Care StoresNAICS 4461 | 5 | 4.0% | |
| 9 | Bakeries and Tortilla ManufacturingNAICS 3118 | 4 | 3.2% | |
| 10 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 3 | 2.4% |
Approval sizes
- $50,001 to $150,0007.9%10
- $150,001 to $350,00021.4%27
- $350,001 to $1 million44.4%56
- $1 million to $2 million12.7%16
- Over $2 million13.5%17
Loan terms
- Over 5 to 10 years41.3%52
- Over 10 to 20 years8.7%11
- Over 20 years50.0%63
Age of the businesses
- Existing, more than 2 years old31.7%40
- New business, 2 years or less38.9%49
- Startup, loan funds will open the business22.2%28
- Change of ownership7.1%9
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 108 | 85.7% | |
| 2 | 7a General | 18 | 14.3% |
Franchise share
15 of 126 approvals in FY2021–FY2025 (11.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Best Western | 2 | 1.6% | |
| 2 | Oyo | 2 | 1.6% | |
| 3 | American Deli | 2 | 1.6% | |
| 4 | Cary Oil | 1 | 0.8% | |
| 5 | Cary Oil Company Inc | 1 | 0.8% | |
| 6 | Clipper Petroleum Supply Agreement | 1 | 0.8% | |
| 7 | Chevron | 1 | 0.8% | |
| 8 | Days Inn | 1 | 0.8% |
Questions and answers
How many SBA loans does Loyal Trust Bank make?
SBA approved 31 7(a) loans through Loyal Trust Bank in FY2025, worth $29.8M, and 126 over FY2021 to FY2025. That ranks 272nd of 2,184 active 7(a) lenders by number of approvals.
How large are Loyal Trust Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $569K and the average $936K. The program-wide median was $190K.
What is Loyal Trust Bank's charge-off rate?
Of 32 disbursed loans approved in FY2010 to FY2021, SBA records 0 as charged off (0.0%), 8 as paid in full and 24 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 Loyal Trust Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (36); grocery stores (14); drycleaning and laundry services (11); traveler accommodation (6).
Where does Loyal Trust Bank make SBA loans?
In 10 states and territories. Georgia 109, Alabama 7, Florida 3, Tennessee 1, Oklahoma 1. In Georgia it accounts for 1.2% of all 7(a) approvals.
Is Loyal Trust Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 72, against 56 in the three before: rising (+29%).
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