Lenders › Regions Bank
7(a) lenderBirmingham, AlabamaFDIC-insured bank54th of 2,184 by approvals
Regions 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 684 7(a) loans, worth $713M, through Regions Bank of Birmingham, Alabama, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 54th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 187 approvals totalling $158M, up 101% on FY2024 (93). FY2026 to 30 Jun 2026 adds 92 more.
The median approval was $527K, against $190K for the 7(a) program as a whole; 17.8% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 17 states and territories and 191 counties, led by Florida (27.9%), Texas (22.5%) and Tennessee (11.4%). The largest industry group was health care and social assistance at 14.6% of approvals, and 12.4% of approvals were to franchise businesses.
Of 1,937 disbursed loans approved in FY2010 to FY2021, SBA records 92 as charged off (4.7%), 1,572 as paid in full and 273 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* | 92 | $62.3M | $300K | $678K | 1,296 |
| FY2025 | 187 | $158M | $380K | $847K | 3,030 |
| FY2024 | 93 | $104M | $527K | $1.1M | 1,710 |
| FY2023 | 132 | $125M | $566K | $944K | 2,747 |
| FY2022 | 101 | $119M | $745K | $1.2M | 2,239 |
| FY2021 | 171 | $207M | $651K | $1.2M | 3,960 |
| FY2020 | 115 | $129M | $690K | $1.1M | 2,204 |
| FY2019 | 124 | $102M | $427K | $819K | 2,638 |
| FY2018 | 188 | $188M | $645K | $998K | 4,203 |
| FY2017 | 259 | $202M | $373K | $780K | 4,162 |
| FY2016 | 246 | $194M | $471K | $787K | 4,390 |
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 932 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 | Florida | 7(a) program |
|---|---|---|---|
| Approvals in these years | 2,159 | 31,863 | 639,905 |
| Cancelled or never disbursed | 222 | 3,596 | 79,313 |
| Disbursed loans | 1,937 | 28,267 | 560,592 |
| Paid in full | 1,572 | 20,064 | 435,813 |
| Charged off | 92 | 2,783 | 36,891 |
| Still outstanding (status exempt from disclosure) | 273 | 5,420 | 87,888 |
| Charged off, share of disbursed loans | 4.7% | 9.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 3.2% | 3.1% | 2.5% |
| Dollars charged off | $47.8M | $442M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 148 | 64 | 4 | 2.7% | 2.8% |
| FY2020 | 86 | 53 | 1 | 1.2% | 4.0% |
| FY2019 | 116 | 73 | 0 | 0.0% | 6.7% |
| FY2018 | 175 | 122 | 13 | 7.4% | 7.9% |
| FY2017 | 245 | 195 | 14 | 5.7% | 7.7% |
| FY2016 | 235 | 201 | 16 | 6.8% | 7.2% |
| FY2015 | 296 | 258 | 25 | 8.4% | 6.9% |
| FY2014 | 186 | 161 | 15 | 8.1% | 6.4% |
| FY2013 | 33 | 33 | 0 | 0.0% | 6.0% |
| FY2012 | 70 | 69 | 0 | 0.0% | 6.3% |
| FY2011 | 218 | 214 | 4 | 1.8% | 6.9% |
| FY2010 | 129 | 129 | 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 | $527K | $190K |
| Average approval | $1.0M | $518K |
| Approvals of $150,000 or less | 17.8% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 26.2% | 34.3% |
| Approvals to franchise businesses | 12.4% | 11.5% |
| Jobs supported per approval, as reported | 20.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.7% | 6.6% |
States served
| # | State of the business (17 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida | 191 | $158M | 27.9% | |
| 2 | Texas | 154 | $205M | 22.5% | |
| 3 | Tennessee | 78 | $67.4M | 11.4% | |
| 4 | Georgia | 58 | $83.0M | 8.5% | |
| 5 | Alabama | 42 | $31.7M | 6.1% | |
| 6 | Missouri | 28 | $15.3M | 4.1% | |
| 7 | Louisiana | 27 | $22.7M | 3.9% | |
| 8 | North Carolina | 23 | $29.7M | 3.4% | |
| 9 | Arkansas | 23 | $22.8M | 3.4% | |
| 10 | Indiana | 18 | $29.3M | 2.6% | |
| 11 | South Carolina | 14 | $24.5M | 2.0% | |
| 12 | Mississippi | 11 | $6.5M | 1.6% |
In Florida the lender accounts for 0.8% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (191 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Harris County, TX | 32 | $44.0M | 4.7% | |
| 2 | Dallas County, TX | 21 | $28.4M | 3.1% | |
| 3 | Hillsborough County, FL | 21 | $10.9M | 3.1% | |
| 4 | Tarrant County, TX | 20 | $38.0M | 2.9% | |
| 5 | Miami-Dade County, FL | 20 | $9.5M | 2.9% | |
| 6 | Orange County, FL | 19 | $14.1M | 2.8% | |
| 7 | Broward County, FL | 16 | $27.4M | 2.3% | |
| 8 | Knox County, TN | 16 | $14.8M | 2.3% | |
| 9 | Travis County, TX | 16 | $11.5M | 2.3% | |
| 10 | Davidson County, TN | 15 | $15.5M | 2.2% | |
| 11 | Gwinnett County, GA | 14 | $17.9M | 2.0% | |
| 12 | Pinellas County, FL | 12 | $12.4M | 1.8% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 100 | 14.6% | |
| 2 | Wholesale Trade | 78 | 11.4% | |
| 3 | Manufacturing | 73 | 10.7% | |
| 4 | Retail Trade | 66 | 9.6% | |
| 5 | Professional, Scientific, and Technical Services | 63 | 9.2% | |
| 6 | Construction | 55 | 8.0% | |
| 7 | Other Services (except Public Administration) | 51 | 7.5% | |
| 8 | Accommodation and Food Services | 47 | 6.9% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 44 | 6.4% | |
| 2 | Child Day Care ServicesNAICS 6244 | 35 | 5.1% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 26 | 3.8% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 23 | 3.4% | |
| 5 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 21 | 3.1% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 18 | 2.6% | |
| 7 | Offices of PhysiciansNAICS 6211 | 17 | 2.5% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 16 | 2.3% | |
| 9 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 15 | 2.2% | |
| 10 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 15 | 2.2% |
Approval sizes
- $50,000 or less1.9%13
- $50,001 to $150,00015.9%109
- $150,001 to $350,00019.2%131
- $350,001 to $1 million29.1%199
- $1 million to $2 million18.6%127
- Over $2 million15.4%105
Loan terms
- 5 years or less12.7%87
- Over 5 to 10 years63.9%437
- Over 10 to 20 years7.3%50
- Over 20 years16.1%110
Age of the businesses
- Existing, more than 2 years old68.3%467
- New business, 2 years or less25.4%174
- Startup, loan funds will open the business0.7%5
- Change of ownership5.6%38
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 416 | 60.8% | |
| 2 | SBA Express Program | 173 | 25.3% | |
| 3 | Preferred Lenders with EWCP | 58 | 8.5% | |
| 4 | Working Capital CAPLine | 27 | 3.9% | |
| 5 | International Trade Loans | 7 | 1.0% | |
| 6 | 7a General | 3 | 0.4% |
Franchise share
85 of 684 approvals in FY2021–FY2025 (12.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Primrose Schools | 14 | 2.0% | |
| 2 | The Goddard School | 11 | 1.6% | |
| 3 | Mr. Transmission | 5 | 0.7% | |
| 4 | Domino's Pizza | 4 | 0.6% | |
| 5 | Two Men and a Truck | 4 | 0.6% | |
| 6 | Servpro | 3 | 0.4% | |
| 7 | Jet's Pizza | 3 | 0.4% | |
| 8 | Plato's Closet | 2 | 0.3% |
Questions and answers
How many SBA loans does Regions Bank make?
SBA approved 187 7(a) loans through Regions Bank in FY2025, worth $158M, and 684 over FY2021 to FY2025. That ranks 54th of 2,184 active 7(a) lenders by number of approvals.
How large are Regions Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $527K and the average $1.0M. The program-wide median was $190K.
What is Regions Bank's charge-off rate?
Of 1,937 disbursed loans approved in FY2010 to FY2021, SBA records 92 as charged off (4.7%), 1,572 as paid in full and 273 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 Regions Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (44); child day care services (35); building equipment contractors (26); offices of other health practitioners (23).
Where does Regions Bank make SBA loans?
In 17 states and territories. Florida 191, Texas 154, Tennessee 78, Georgia 58, Alabama 42. In Florida it accounts for 0.8% of all 7(a) approvals.
Is Regions Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 412, against 387 in the three before: broadly level (+6%).
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