Lenders › The Bank of Tampa
7(a) lenderTampa, FloridaFDIC-insured bank267th of 2,184 by approvals
The Bank of Tampa
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.
The Bank of Tampa (Tampa, Florida) is an FDIC-insured bank in the SBA 7(a) program, 267th of 2,184 by approvals in FY2021 to FY2025: 129 loans worth $117M.
In FY2025, the latest complete fiscal year, it had 23 approvals totalling $16.4M, down 15% on FY2024 (27). FY2026 to 30 Jun 2026 adds 13 more.
The median approval was $500K, against $190K for the 7(a) program as a whole; 4.7% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 1 state or territory and 8 counties, led by Florida (100.0%). The largest industry group was professional, scientific, and technical services at 22.5% of approvals, and 4.7% of approvals were to franchise businesses.
Of 99 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (4.0%), 51 as paid in full and 44 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* | 13 | $11.2M | $575K | $858K | 113 |
| FY2025 | 23 | $16.4M | $585K | $712K | 264 |
| FY2024 | 27 | $17.7M | $495K | $654K | 250 |
| FY2023 | 31 | $32.8M | $490K | $1.1M | 505 |
| FY2022 | 25 | $23.4M | $649K | $934K | 390 |
| FY2021 | 23 | $26.9M | $870K | $1.2M | 479 |
| FY2020 | 22 | $17.4M | $440K | $793K | 209 |
| FY2019 | 23 | $23.0M | $403K | $998K | 356 |
| FY2018 | 16 | $12.7M | $466K | $796K | 166 |
| FY2017 | 14 | $10.2M | $493K | $731K | 256 |
| FY2016 | 9 | $11.5M | $1.0M | $1.3M | 158 |
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 84 approvals. First approval on file: FY2011.
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 | 109 | 31,863 | 639,905 |
| Cancelled or never disbursed | 10 | 3,596 | 79,313 |
| Disbursed loans | 99 | 28,267 | 560,592 |
| Paid in full | 51 | 20,064 | 435,813 |
| Charged off | 4 | 2,783 | 36,891 |
| Still outstanding (status exempt from disclosure) | 44 | 5,420 | 87,888 |
| Charged off, share of disbursed loans | 4.0% | 9.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.0% | 3.1% | 2.5% |
| Dollars charged off | $922K | $442M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 22 | 8 | 0 | — | 2.8% |
| FY2020 | 21 | 7 | 1 | — | 4.0% |
| FY2019 | 18 | 10 | 2 | — | 6.7% |
| FY2018 | 15 | 8 | 0 | — | 7.9% |
| FY2017 | 13 | 10 | 1 | — | 7.7% |
| FY2016 | 9 | 7 | 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 | 1 | 1 | 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 | $500K | $190K |
| Average approval | $907K | $518K |
| Approvals of $150,000 or less | 4.7% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 53.5% | 34.3% |
| Approvals to franchise businesses | 4.7% | 11.5% |
| Jobs supported per approval, as reported | 14.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.0% | 6.6% |
States served
| # | State of the business (1 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida | 129 | $117M | 100.0% |
In Florida the lender accounts for 0.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (8 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Hillsborough County, FL | 58 | $54.9M | 45.0% | |
| 2 | Pinellas County, FL | 20 | $17.3M | 15.5% | |
| 3 | Manatee County, FL | 19 | $20.7M | 14.7% | |
| 4 | Sarasota County, FL | 15 | $12.0M | 11.6% | |
| 5 | Pasco County, FL | 9 | $4.6M | 7.0% | |
| 6 | Lee County, FL | 5 | $2.1M | 3.9% | |
| 7 | Hernando County, FL | 2 | — | 1.6% | |
| 8 | Charlotte County, FL | 1 | — | 0.8% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 29 | 22.5% | |
| 2 | Construction | 21 | 16.3% | |
| 3 | Administrative and Support and Waste Management and Remediation Services | 14 | 10.9% | |
| 4 | Retail Trade | 14 | 10.9% | |
| 5 | Health Care and Social Assistance | 13 | 10.1% | |
| 6 | Manufacturing | 8 | 6.2% | |
| 7 | Other Services (except Public Administration) | 8 | 6.2% | |
| 8 | Real Estate and Rental and Leasing | 6 | 4.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 12 | 9.3% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 11 | 8.5% | |
| 3 | Architectural, Engineering, and Related ServicesNAICS 5413 | 7 | 5.4% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 7 | 5.4% | |
| 5 | Activities Related to Real EstateNAICS 5313 | 6 | 4.7% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 6 | 4.7% | |
| 7 | Legal ServicesNAICS 5411 | 6 | 4.7% | |
| 8 | Computer Systems Design and Related ServicesNAICS 5415 | 5 | 3.9% | |
| 9 | Other Miscellaneous RetailersNAICS 4599 | 5 | 3.9% | |
| 10 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 4 | 3.1% |
Approval sizes
- $50,000 or less0.8%1
- $50,001 to $150,0003.9%5
- $150,001 to $350,00025.6%33
- $350,001 to $1 million45.0%58
- $1 million to $2 million14.0%18
- Over $2 million10.9%14
Loan terms
- 5 years or less0.8%1
- Over 5 to 10 years75.2%97
- Over 10 to 20 years9.3%12
- Over 20 years14.7%19
Age of the businesses
- Existing, more than 2 years old41.1%53
- New business, 2 years or less48.8%63
- Startup, loan funds will open the business4.7%6
- Change of ownership5.4%7
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 76 | 58.9% | |
| 2 | 7a General | 37 | 28.7% | |
| 3 | SBA Express Program | 15 | 11.6% | |
| 4 | International Trade Loans | 1 | 0.8% |
Franchise share
6 of 129 approvals in FY2021–FY2025 (4.7%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Aussie Pet Mobile | 2 | 1.6% | |
| 2 | Ice Cold Air | 1 | 0.8% | |
| 3 | More Space Place | 1 | 0.8% | |
| 4 | D-Bat | 1 | 0.8% | |
| 5 | Woof Gang Bakery and Grooming | 1 | 0.8% |
Questions and answers
How many SBA loans does The Bank of Tampa make?
SBA approved 23 7(a) loans through The Bank of Tampa in FY2025, worth $16.4M, and 129 over FY2021 to FY2025. That ranks 267th of 2,184 active 7(a) lenders by number of approvals.
How large are The Bank of Tampa's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $500K and the average $907K. The program-wide median was $190K.
What is The Bank of Tampa's charge-off rate?
Of 99 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (4.0%), 51 as paid in full and 44 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 The Bank of Tampa lend to most?
By number of approvals in FY2021 to FY2025: services to buildings and dwellings (12); building equipment contractors (11); architectural, engineering, and related services (7); offices of other health practitioners (7).
Where does The Bank of Tampa make SBA loans?
In 1 state or territory. Florida 129. In Florida it accounts for 0.6% of all 7(a) approvals.
Is The Bank of Tampa's SBA lending rising?
Approvals in the three latest complete fiscal years total 81, against 70 in the three before: rising (+16%).
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