Lenders › West Coast Community Bank
7(a) lenderSanta Cruz, CaliforniaFDIC-insured bank218th of 2,184 by approvals
West Coast Community 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.
West Coast Community Bank (Santa Cruz, California) is an FDIC-insured bank in the SBA 7(a) program, 218th of 2,184 by approvals in FY2021 to FY2025: 174 loans worth $208M.
In FY2025, the latest complete fiscal year, it had 16 approvals totalling $10.8M, down 38% on FY2024 (26). FY2026 to 30 Jun 2026 adds 9 more.
The median approval was $626K, against $190K for the 7(a) program as a whole; 13.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 7 states and territories and 45 counties, led by California (92.0%), Oregon (2.9%) and Washington (1.7%). The largest industry group was accommodation and food services at 36.8% of approvals, and 18.4% of approvals were to franchise businesses.
Of 508 disbursed loans approved in FY2010 to FY2021, SBA records 5 as charged off (1.0%), 368 as paid in full and 135 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* | 9 | $6.0M | $570K | $671K | 232 |
| FY2025 | 16 | $10.8M | $450K | $677K | 499 |
| FY2024 | 26 | $29.6M | $590K | $1.1M | 399 |
| FY2023 | 30 | $25.4M | $366K | $846K | 828 |
| FY2022 | 40 | $56.6M | $1.0M | $1.4M | 625 |
| FY2021 | 62 | $85.4M | $950K | $1.4M | 814 |
| FY2020 | 47 | $38.0M | $425K | $808K | 667 |
| FY2019 | 55 | $34.5M | $250K | $627K | 967 |
| FY2018 | 53 | $39.5M | $482K | $745K | 948 |
| FY2017 | 64 | $49.8M | $275K | $778K | 933 |
| FY2016 | 54 | $40.0M | $342K | $741K | 846 |
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 273 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 | 566 | 79,249 | 639,905 |
| Cancelled or never disbursed | 58 | 10,102 | 79,313 |
| Disbursed loans | 508 | 69,147 | 560,592 |
| Paid in full | 368 | 52,688 | 435,813 |
| Charged off | 5 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 135 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 1.0% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.1% | 1.5% | 2.5% |
| Dollars charged off | $490K | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 58 | 33 | 0 | 0.0% | 2.8% |
| FY2020 | 40 | 16 | 0 | 0.0% | 4.0% |
| FY2019 | 50 | 29 | 1 | 2.0% | 6.7% |
| FY2018 | 49 | 34 | 0 | 0.0% | 7.9% |
| FY2017 | 63 | 48 | 0 | 0.0% | 7.7% |
| FY2016 | 51 | 37 | 0 | 0.0% | 7.2% |
| FY2015 | 42 | 38 | 0 | 0.0% | 6.9% |
| FY2014 | 35 | 31 | 0 | 0.0% | 6.4% |
| FY2013 | 39 | 29 | 1 | 2.6% | 6.0% |
| FY2012 | 25 | 25 | 0 | — | 6.3% |
| FY2011 | 25 | 21 | 2 | — | 6.9% |
| FY2010 | 31 | 27 | 1 | 3.2% | 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 | $626K | $190K |
| Average approval | $1.2M | $518K |
| Approvals of $150,000 or less | 13.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 28.2% | 34.3% |
| Approvals to franchise businesses | 18.4% | 11.5% |
| Jobs supported per approval, as reported | 18.2 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 1.0% | 6.6% |
States served
| # | State of the business (7 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 160 | $168M | 92.0% | |
| 2 | Oregon | 5 | $9.4M | 2.9% | |
| 3 | Washington | 3 | $11.1M | 1.7% | |
| 4 | Idaho | 2 | — | 1.1% | |
| 5 | Nevada | 2 | — | 1.1% | |
| 6 | Arizona | 1 | — | 0.6% | |
| 7 | Colorado | 1 | — | 0.6% |
In California the lender accounts for 0.5% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (45 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Santa Cruz County, CA | 34 | $13.0M | 19.5% | |
| 2 | Monterey County, CA | 28 | $26.8M | 16.1% | |
| 3 | Fresno County, CA | 13 | $19.6M | 7.5% | |
| 4 | Contra Costa County, CA | 9 | $12.2M | 5.2% | |
| 5 | San Luis Obispo County, CA | 9 | $7.1M | 5.2% | |
| 6 | Santa Clara County, CA | 9 | $6.7M | 5.2% | |
| 7 | Los Angeles County, CA | 5 | $12.3M | 2.9% | |
| 8 | Sacramento County, CA | 5 | $7.6M | 2.9% | |
| 9 | San Mateo County, CA | 5 | $1.4M | 2.9% | |
| 10 | El Dorado County, CA | 4 | $7.0M | 2.3% | |
| 11 | San Joaquin County, CA | 4 | $3.2M | 2.3% | |
| 12 | Alameda County, CA | 4 | $1.9M | 2.3% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 64 | 36.8% | |
| 2 | Retail Trade | 35 | 20.1% | |
| 3 | Manufacturing | 17 | 9.8% | |
| 4 | Transportation and Warehousing | 11 | 6.3% | |
| 5 | Construction | 9 | 5.2% | |
| 6 | Health Care and Social Assistance | 8 | 4.6% | |
| 7 | Real Estate and Rental and Leasing | 6 | 3.4% | |
| 8 | Wholesale Trade | 5 | 2.9% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 31 | 17.8% | |
| 2 | Traveler AccommodationNAICS 7211 | 30 | 17.2% | |
| 3 | Grocery StoresNAICS 4451 | 22 | 12.6% | |
| 4 | General Freight TruckingNAICS 4841 | 10 | 5.7% | |
| 5 | Gasoline StationsNAICS 4471 | 5 | 2.9% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 2.9% | |
| 7 | Bakeries and Tortilla ManufacturingNAICS 3118 | 5 | 2.9% | |
| 8 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 4 | 2.3% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 4 | 2.3% | |
| 10 | Gasoline StationsNAICS 4571 | 3 | 1.7% |
Approval sizes
- $50,000 or less1.7%3
- $50,001 to $150,00011.5%20
- $150,001 to $350,00021.3%37
- $350,001 to $1 million25.9%45
- $1 million to $2 million18.4%32
- Over $2 million21.3%37
Loan terms
- 5 years or less0.6%1
- Over 5 to 10 years42.5%74
- Over 10 to 20 years7.5%13
- Over 20 years49.4%86
Age of the businesses
- Existing, more than 2 years old55.7%97
- New business, 2 years or less15.5%27
- Startup, loan funds will open the business12.6%22
- Change of ownership16.1%28
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 168 | 96.6% | |
| 2 | SBA Express Program | 5 | 2.9% | |
| 3 | Export Express | 1 | 0.6% |
Franchise share
32 of 174 approvals in FY2021–FY2025 (18.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Mountain Mike's Pizza | 7 | 4.0% | |
| 2 | Motel 6 | 4 | 2.3% | |
| 3 | Days Inn | 2 | 1.1% | |
| 4 | Nick the Greek | 2 | 1.1% | |
| 5 | Quality Inn | 1 | 0.6% | |
| 6 | Hawthorn | 1 | 0.6% | |
| 7 | Circle K Stores, Inc. | 1 | 0.6% | |
| 8 | Best Western | 1 | 0.6% |
Questions and answers
How many SBA loans does West Coast Community Bank make?
SBA approved 16 7(a) loans through West Coast Community Bank in FY2025, worth $10.8M, and 174 over FY2021 to FY2025. That ranks 218th of 2,184 active 7(a) lenders by number of approvals.
How large are West Coast Community Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $626K and the average $1.2M. The program-wide median was $190K.
What is West Coast Community Bank's charge-off rate?
Of 508 disbursed loans approved in FY2010 to FY2021, SBA records 5 as charged off (1.0%), 368 as paid in full and 135 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 West Coast Community Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (31); traveler accommodation (30); grocery stores (22); general freight trucking (10).
Where does West Coast Community Bank make SBA loans?
In 7 states and territories. California 160, Oregon 5, Washington 3, Idaho 2, Nevada 2. In California it accounts for 0.5% of all 7(a) approvals.
Is West Coast Community Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 72, against 149 in the three before: falling (-52%).
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