Lenders › PCB Bank
7(a) lenderLos Angeles, CaliforniaFDIC-insured bank63rd of 2,184 by approvals
PCB 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 584 7(a) loans, worth $767M, through PCB Bank of Los Angeles, California, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 63rd among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 135 approvals totalling $155M, up 36% on FY2024 (99). FY2026 to 30 Jun 2026 adds 65 more.
The median approval was $850K, against $190K for the 7(a) program as a whole; 5.7% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 26 states and territories and 123 counties, led by California (44.9%), Texas (22.6%) and Washington (8.6%). The largest industry group was accommodation and food services at 41.8% of approvals, and 15.1% of approvals were to franchise businesses.
Of 1,846 disbursed loans approved in FY2010 to FY2021, SBA records 55 as charged off (3.0%), 1,432 as paid in full and 359 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* | 65 | $71.0M | $760K | $1.1M | 599 |
| FY2025 | 135 | $155M | $675K | $1.1M | 1,403 |
| FY2024 | 99 | $98.4M | $735K | $994K | 1,303 |
| FY2023 | 93 | $106M | $590K | $1.1M | 1,145 |
| FY2022 | 93 | $138M | $1.0M | $1.5M | 1,019 |
| FY2021 | 164 | $270M | $1.2M | $1.6M | 2,332 |
| FY2020 | 107 | $121M | $802K | $1.1M | 1,141 |
| FY2019 | 150 | $139M | $499K | $928K | 1,092 |
| FY2018 | 147 | $130M | $510K | $887K | 1,276 |
| FY2017 | 207 | $192M | $450K | $926K | 2,051 |
| FY2016 | 229 | $186M | $455K | $812K | 3,365 |
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 840 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 | 2,028 | 79,249 | 639,905 |
| Cancelled or never disbursed | 182 | 10,102 | 79,313 |
| Disbursed loans | 1,846 | 69,147 | 560,592 |
| Paid in full | 1,432 | 52,688 | 435,813 |
| Charged off | 55 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 359 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 3.0% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.6% | 1.5% | 2.5% |
| Dollars charged off | $8.9M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 138 | 57 | 0 | 0.0% | 2.8% |
| FY2020 | 104 | 59 | 0 | 0.0% | 4.0% |
| FY2019 | 132 | 71 | 4 | 3.0% | 6.7% |
| FY2018 | 144 | 105 | 4 | 2.8% | 7.9% |
| FY2017 | 192 | 141 | 3 | 1.6% | 7.7% |
| FY2016 | 215 | 164 | 9 | 4.2% | 7.2% |
| FY2015 | 192 | 168 | 7 | 3.6% | 6.9% |
| FY2014 | 189 | 173 | 3 | 1.6% | 6.4% |
| FY2013 | 163 | 150 | 4 | 2.5% | 6.0% |
| FY2012 | 140 | 126 | 8 | 5.7% | 6.3% |
| FY2011 | 133 | 122 | 7 | 5.3% | 6.9% |
| FY2010 | 104 | 96 | 6 | 5.8% | 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 | $850K | $190K |
| Average approval | $1.3M | $518K |
| Approvals of $150,000 or less | 5.7% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 47.9% | 34.3% |
| Approvals to franchise businesses | 15.1% | 11.5% |
| Jobs supported per approval, as reported | 12.3 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.0% | 6.6% |
States served
| # | State of the business (26 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 262 | $299M | 44.9% | |
| 2 | Texas | 132 | $163M | 22.6% | |
| 3 | Washington | 50 | $117M | 8.6% | |
| 4 | Georgia | 33 | $27.7M | 5.7% | |
| 5 | Colorado | 20 | $29.1M | 3.4% | |
| 6 | New York | 14 | $18.3M | 2.4% | |
| 7 | Maryland | 14 | $11.0M | 2.4% | |
| 8 | Illinois | 13 | $9.8M | 2.2% | |
| 9 | Oregon | 11 | $34.9M | 1.9% | |
| 10 | Virginia | 6 | $6.9M | 1.0% | |
| 11 | New Jersey | 5 | $4.7M | 0.9% | |
| 12 | Florida | 3 | $10.0M | 0.5% |
In California the lender accounts for 0.8% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (123 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 171 | $192M | 29.3% | |
| 2 | Orange County, CA | 53 | $54.0M | 9.1% | |
| 3 | Dallas County, TX | 49 | $61.8M | 8.4% | |
| 4 | Denton County, TX | 16 | $11.8M | 2.7% | |
| 5 | San Bernardino County, CA | 15 | $29.2M | 2.6% | |
| 6 | Collin County, TX | 15 | $16.8M | 2.6% | |
| 7 | Tarrant County, TX | 14 | $15.3M | 2.4% | |
| 8 | Gwinnett County, GA | 13 | $9.2M | 2.2% | |
| 9 | Cook County, IL | 12 | $9.2M | 2.1% | |
| 10 | King County, WA | 9 | $15.2M | 1.5% | |
| 11 | Riverside County, CA | 9 | $4.5M | 1.5% | |
| 12 | Queens County, NY | 8 | $8.9M | 1.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 244 | 41.8% | |
| 2 | Retail Trade | 209 | 35.8% | |
| 3 | Other Services (except Public Administration) | 37 | 6.3% | |
| 4 | Wholesale Trade | 30 | 5.1% | |
| 5 | Health Care and Social Assistance | 29 | 5.0% | |
| 6 | Construction | 8 | 1.4% | |
| 7 | Professional, Scientific, and Technical Services | 7 | 1.2% | |
| 8 | Manufacturing | 6 | 1.0% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 176 | 30.1% | |
| 2 | Beer, Wine, and Liquor StoresNAICS 4453 | 80 | 13.7% | |
| 3 | Traveler AccommodationNAICS 7211 | 63 | 10.8% | |
| 4 | Gasoline StationsNAICS 4571 | 43 | 7.4% | |
| 5 | Grocery StoresNAICS 4451 | 33 | 5.7% | |
| 6 | Gasoline StationsNAICS 4471 | 30 | 5.1% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 18 | 3.1% | |
| 8 | Drycleaning and Laundry ServicesNAICS 8123 | 15 | 2.6% | |
| 9 | Health and Personal Care RetailersNAICS 4561 | 11 | 1.9% | |
| 10 | Home Health Care ServicesNAICS 6216 | 9 | 1.5% |
Approval sizes
- $50,001 to $150,0005.7%33
- $150,001 to $350,00018.2%106
- $350,001 to $1 million35.3%206
- $1 million to $2 million20.4%119
- Over $2 million20.5%120
Loan terms
- 5 years or less0.3%2
- Over 5 to 10 years46.2%270
- Over 10 to 20 years1.0%6
- Over 20 years52.4%306
Age of the businesses
- Existing, more than 2 years old32.2%188
- New business, 2 years or less39.4%230
- Startup, loan funds will open the business8.6%50
- Change of ownership19.9%116
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 567 | 97.1% | |
| 2 | 7a General | 17 | 2.9% |
Franchise share
88 of 584 approvals in FY2021–FY2025 (15.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Chevron | 10 | 1.7% | |
| 2 | Best Western | 6 | 1.0% | |
| 3 | Wilson Oil, Inc. Contract of Sale | 4 | 0.7% | |
| 4 | Wetzel's Pretzels | 4 | 0.7% | |
| 5 | Days Inn | 3 | 0.5% | |
| 6 | Circle K Stores, Inc. | 3 | 0.5% | |
| 7 | PacWest Energy | 2 | 0.3% | |
| 8 | Phillips 66 Branded Reseller Agreement | 2 | 0.3% |
Questions and answers
How many SBA loans does PCB Bank make?
SBA approved 135 7(a) loans through PCB Bank in FY2025, worth $155M, and 584 over FY2021 to FY2025. That ranks 63rd of 2,184 active 7(a) lenders by number of approvals.
How large are PCB Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $850K and the average $1.3M. The program-wide median was $190K.
What is PCB Bank's charge-off rate?
Of 1,846 disbursed loans approved in FY2010 to FY2021, SBA records 55 as charged off (3.0%), 1,432 as paid in full and 359 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 PCB Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (176); beer, wine, and liquor stores (80); traveler accommodation (63); gasoline stations (43).
Where does PCB Bank make SBA loans?
In 26 states and territories. California 262, Texas 132, Washington 50, Georgia 33, Colorado 20. In California it accounts for 0.8% of all 7(a) approvals.
Is PCB Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 327, against 364 in the three before: falling (-10%).
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