Brunswick-St. Simons: volume, rank and loan size

SBA approved 158 loans in Brunswick-St. Simons from FY2017 to FY2026, $158.9 million in gross dollars. By loan count, Brunswick-St. Simons stands 358 of 928 among all areas. Brunswick-St. Simons loans center on $471,500, the median. $187,600 to $1.2 million spans the Brunswick-St. Simons middle half. Set beside the nation, Brunswick-St. Simons stands at 2.27x. Brunswick-St. Simons splits into 137 loans under 7(a) and 21 under 504. Brunswick-St. Simons shows a franchise share of 24.7%. $158.9 million is the Brunswick-St. Simons dollar total.

Brunswick-St. Simons: asset mix and geography

Hotel and motel (25) tops Brunswick-St. Simons; limited-service restaurant (12) and full-service restaurant (9) follow. Fourth in Brunswick-St. Simons is medical office, with 5 loans. 87 loans in Brunswick-St. Simons fit no class, so Brunswick-St. Simons class patterns say less. SBA locates every Brunswick-St. Simons loan in Glynn County, GA, 146 in all.

Brunswick-St. Simons: who holds the loans

Holders in Brunswick-St. Simons hold the loans today, as SBA reports them. Brunswick-St. Simons lists, for 7(a), 13 loans at Primesouth Bank ($14.9 million), 9 loans at The Huntington National Bank ($9.5 million), and 8 loans at South Coast Bank & Trust ($9.4 million). Brunswick-St. Simons holders under 504 include Coastal Area District Development Authority, Inc. with 13 loans ($8.6 million). For a Brunswick-St. Simons borrower, the rows are context only. No Brunswick-St. Simons row recommends any institution.

Brunswick-St. Simons: what the floors can say

Brunswick-St. Simons cancellation, FY2017 to FY2024 approvals: 16.7%. It is a floor for Brunswick-St. Simons. Loan Analytics withholds the ceiling for Brunswick-St. Simons because the loans are few. No Brunswick-St. Simons charge-off rate prints. The Brunswick-St. Simons cohort is below the minimum. Read Brunswick-St. Simons as neither zero nor clean. Brunswick-St. Simons rates are floors. Loans season, and Brunswick-St. Simons events can still raise them. In Brunswick-St. Simons, a county name places each loan. For Brunswick-St. Simons, the July 2023 list governs. Brunswick-St. Simons omits loans with no county match. Brunswick-St. Simons totals hold untracked-class loans too.

Brunswick-St. Simons: the feasibility questions

The Brunswick-St. Simons trend peaks in FY2019 with 22 loans ($21.6 million) and bottoms in FY2017 with 11 ($7.9 million). FY2026 closes the Brunswick-St. Simons series at 11 loans, $20.5 million. A Brunswick-St. Simons study weighs local demand against Glynn County, GA competitors, not national patterns. Brunswick-St. Simons costs sit beside a $471,500 median. Brunswick-St. Simons stands at 2.27x nationally. A Brunswick-St. Simons study runs coverage on a slow ramp. Brunswick-St. Simons history of cancellations argues for it. Brunswick-St. Simons value is tested against cost by appraisal. Brunswick-St. Simons comparables decide how. Sources and uses in Brunswick-St. Simons must tie to bids near Glynn County, GA. The Brunswick-St. Simons study states its limits beside Glynn County, GA findings.

SBA loans in the Brunswick-St. Simons, GA Metro Area

Loans approved, FY2017 to FY2026	158
Gross dollars approved	$158.9 million
Median loan	$471,500
Middle half of loans, from	$187,600
Middle half of loans, to	$1.2 million
SBA 7(a) loans	137
SBA 504 loans	21
Franchise share of loans	24.7%
Rank among metro and micro areas by loans	358 of 928
Median loan against the national median	2.27x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	16.7%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA loans approved in the Brunswick-St. Simons, GA Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	11	$7.9 million
FY2018	15	$10.3 million
FY2019	22	$21.6 million
FY2020	13	$15.7 million
FY2021	17	$10.1 million
FY2022	16	$15.9 million
FY2023	19	$29.1 million
FY2024	19	$14.4 million
FY2025	15	$13.3 million
FY2026	11	$20.5 million

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	87
Hotel and motel	25
Limited-service restaurant	12
Full-service restaurant	9
Medical office (physicians)	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Most active SBA lenders

SBA 504: lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Coastal Area District Development Authority, Inc.	13	$8.6 million

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Primesouth Bank	13	$14.9 million
Pinnacle Bank (TN)	12	$10.0 million
The Huntington National Bank	9	$9.5 million
South Coast Bank & Trust	8	$9.4 million
Northeast Bank (ME)	8	$967,100

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

County	Loans
Glynn County, GA	146

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-15260.

Related feasibility study pages

Feasibility study data by asset class in the Brunswick-St. Simons, GA Metro Area

Hotel and motel

Worked examples

Worked Example: USDA B&I Hotel Acquisition Feasibility Study in Georgia

A worked example of the feasibility study a lender would read for a hotel project in Georgia, financed with a USDA Business and Industry guaranteed loan.

State: Georgia · Asset: Hotel · Program: USDA Business and Industry

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Brunswick-St. Simons, GA Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Feasibility Study Data for the Brunswick-St. Simons, GA Metro Area