Lenders › Metro City Bank
7(a) lenderDoraville, GeorgiaFDIC-insured bank46th of 2,184 by approvals
Metro City 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 797 7(a) loans, worth $1.38bn, through Metro City Bank of Doraville, Georgia, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 46th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 101 approvals totalling $172M, down 14% on FY2024 (118). FY2026 to 30 Jun 2026 adds 66 more.
The median approval was $1.3M, against $190K for the 7(a) program as a whole; 0.9% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 30 states and territories and 242 counties, led by Georgia (38.6%), Texas (23.8%) and New York (6.9%). The largest industry group was retail trade at 50.8% of approvals, and 18.8% of approvals were to franchise businesses.
Of 1,778 disbursed loans approved in FY2010 to FY2021, SBA records 37 as charged off (2.1%), 1,296 as paid in full and 445 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* | 66 | $139M | $1.8M | $2.1M | 1,198 |
| FY2025 | 101 | $172M | $1.2M | $1.7M | 1,775 |
| FY2024 | 118 | $186M | $1.0M | $1.6M | 907 |
| FY2023 | 113 | $169M | $893K | $1.5M | 927 |
| FY2022 | 154 | $276M | $1.4M | $1.8M | 1,253 |
| FY2021 | 311 | $572M | $1.4M | $1.8M | 2,805 |
| FY2020 | 143 | $240M | $1.3M | $1.7M | 1,074 |
| FY2019 | 169 | $266M | $1.2M | $1.6M | 1,775 |
| FY2018 | 175 | $240M | $985K | $1.4M | 1,831 |
| FY2017 | 206 | $233M | $738K | $1.1M | 1,899 |
| FY2016 | 198 | $230M | $768K | $1.2M | 2,156 |
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 891 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 | 2,083 | 17,911 | 639,905 |
| Cancelled or never disbursed | 305 | 2,110 | 79,313 |
| Disbursed loans | 1,778 | 15,801 | 560,592 |
| Paid in full | 1,296 | 11,453 | 435,813 |
| Charged off | 37 | 1,077 | 36,891 |
| Still outstanding (status exempt from disclosure) | 445 | 3,271 | 87,888 |
| Charged off, share of disbursed loans | 2.1% | 6.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.6% | 2.0% | 2.5% |
| Dollars charged off | $14.1M | $230M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 224 | 96 | 1 | 0.4% | 2.8% |
| FY2020 | 122 | 65 | 0 | 0.0% | 4.0% |
| FY2019 | 153 | 85 | 3 | 2.0% | 6.7% |
| FY2018 | 151 | 98 | 2 | 1.3% | 7.9% |
| FY2017 | 190 | 149 | 1 | 0.5% | 7.7% |
| FY2016 | 189 | 151 | 5 | 2.6% | 7.2% |
| FY2015 | 173 | 147 | 3 | 1.7% | 6.9% |
| FY2014 | 122 | 105 | 3 | 2.5% | 6.4% |
| FY2013 | 127 | 111 | 3 | 2.4% | 6.0% |
| FY2012 | 95 | 83 | 2 | 2.1% | 6.3% |
| FY2011 | 111 | 101 | 3 | 2.7% | 6.9% |
| FY2010 | 121 | 105 | 11 | 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 | $1.3M | $190K |
| Average approval | $1.7M | $518K |
| Approvals of $150,000 or less | 0.9% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 35.5% | 34.3% |
| Approvals to franchise businesses | 18.8% | 11.5% |
| Jobs supported per approval, as reported | 9.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.1% | 6.6% |
States served
| # | State of the business (30 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Georgia | 308 | $637M | 38.6% | |
| 2 | Texas | 190 | $305M | 23.8% | |
| 3 | New York | 55 | $110M | 6.9% | |
| 4 | Florida | 27 | $48.8M | 3.4% | |
| 5 | Washington | 26 | $31.7M | 3.3% | |
| 6 | Alabama | 25 | $31.5M | 3.1% | |
| 7 | California | 22 | $35.0M | 2.8% | |
| 8 | Pennsylvania | 20 | $35.2M | 2.5% | |
| 9 | Virginia | 19 | $13.6M | 2.4% | |
| 10 | New Jersey | 16 | $20.2M | 2.0% | |
| 11 | Oklahoma | 15 | $22.1M | 1.9% | |
| 12 | Tennessee | 15 | $16.5M | 1.9% |
In Georgia the lender accounts for 3.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (242 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Gwinnett County, GA | 64 | $112M | 8.0% | |
| 2 | Fulton County, GA | 32 | $68.5M | 4.0% | |
| 3 | Tarrant County, TX | 32 | $61.5M | 4.0% | |
| 4 | DeKalb County, GA | 32 | $46.3M | 4.0% | |
| 5 | Dallas County, TX | 28 | $43.8M | 3.5% | |
| 6 | Harris County, TX | 20 | $29.5M | 2.5% | |
| 7 | Cobb County, GA | 16 | $31.1M | 2.0% | |
| 8 | Los Angeles County, CA | 15 | $17.8M | 1.9% | |
| 9 | Kings County, NY | 14 | $29.9M | 1.8% | |
| 10 | Queens County, NY | 13 | $24.7M | 1.6% | |
| 11 | Bibb County, GA | 13 | $22.6M | 1.6% | |
| 12 | Clayton County, GA | 11 | $27.6M | 1.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 405 | 50.8% | |
| 2 | Accommodation and Food Services | 187 | 23.5% | |
| 3 | Other Services (except Public Administration) | 72 | 9.0% | |
| 4 | Agriculture, Forestry, Fishing and Hunting | 43 | 5.4% | |
| 5 | Health Care and Social Assistance | 23 | 2.9% | |
| 6 | Wholesale Trade | 16 | 2.0% | |
| 7 | Construction | 14 | 1.8% | |
| 8 | Professional, Scientific, and Technical Services | 10 | 1.3% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 138 | 17.3% | |
| 2 | Beer, Wine, and Liquor StoresNAICS 4453 | 102 | 12.8% | |
| 3 | Gasoline StationsNAICS 4571 | 100 | 12.5% | |
| 4 | Gasoline StationsNAICS 4471 | 80 | 10.0% | |
| 5 | Grocery StoresNAICS 4451 | 76 | 9.5% | |
| 6 | Traveler AccommodationNAICS 7211 | 49 | 6.1% | |
| 7 | Poultry and Egg ProductionNAICS 1123 | 43 | 5.4% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 42 | 5.3% | |
| 9 | Drycleaning and Laundry ServicesNAICS 8123 | 18 | 2.3% | |
| 10 | Health and Personal Care RetailersNAICS 4561 | 15 | 1.9% |
Approval sizes
- $50,001 to $150,0000.9%7
- $150,001 to $350,0009.0%72
- $350,001 to $1 million32.1%256
- $1 million to $2 million26.5%211
- Over $2 million31.5%251
Loan terms
- 5 years or less0.4%3
- Over 5 to 10 years23.0%183
- Over 10 to 20 years9.7%77
- Over 20 years67.0%534
Age of the businesses
- Existing, more than 2 years old31.7%253
- New business, 2 years or less21.0%167
- Startup, loan funds will open the business14.6%116
- Change of ownership32.7%261
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 767 | 96.2% | |
| 2 | 7a General | 28 | 3.5% | |
| 3 | International Trade Loans | 1 | 0.1% | |
| 4 | Working Capital CAPLine | 1 | 0.1% |
Franchise share
150 of 797 approvals in FY2021–FY2025 (18.8%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Sunoco, LLC | 12 | 1.5% | |
| 2 | SEI Fuel Services, Inc | 10 | 1.3% | |
| 3 | American Deli | 9 | 1.1% | |
| 4 | Motel 6 | 6 | 0.8% | |
| 5 | McCraw Oil Company, Inc. | 4 | 0.5% | |
| 6 | King Fuels, Inc. | 4 | 0.5% | |
| 7 | Brad Hall & Associates | 4 | 0.5% | |
| 8 | Chevron | 3 | 0.4% |
Questions and answers
How many SBA loans does Metro City Bank make?
SBA approved 101 7(a) loans through Metro City Bank in FY2025, worth $172M, and 797 over FY2021 to FY2025. That ranks 46th of 2,184 active 7(a) lenders by number of approvals.
How large are Metro City Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.3M and the average $1.7M. The program-wide median was $190K.
What is Metro City Bank's charge-off rate?
Of 1,778 disbursed loans approved in FY2010 to FY2021, SBA records 37 as charged off (2.1%), 1,296 as paid in full and 445 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 Metro City Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (138); beer, wine, and liquor stores (102); gasoline stations (100); gasoline stations (80).
Where does Metro City Bank make SBA loans?
In 30 states and territories. Georgia 308, Texas 190, New York 55, Florida 27, Washington 26. In Georgia it accounts for 3.3% of all 7(a) approvals.
Is Metro City Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 332, against 608 in the three before: falling (-45%).
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