Feasibility Study Data for the Panama City-Panama City Beach, FL Metro Area

Panama City: volume, rank and loan size

For Panama City, SBA shows $190.4 million on 302 loans, FY2017 to FY2026. By loan count, Panama City stands 238 of 928 among all areas. The Panama City median loan is $324,000. Panama City loans in the middle half run $135,400 to $798,000. The Panama City median sits at 1.56x nationally. Panama City splits into 242 loans under 7(a) and 60 under 504. 20.5% of the loans in Panama City carry a franchise brand. Panama City dollars add to $190.4 million.

Panama City: asset mix and geography

Panama City class leaders by loans: full-service restaurant (19), hotel and motel (11), and medical office (11). Next in Panama City comes limited-service restaurant at 11 loans. 180 Panama City loans sit in no tracked class. Most Panama City credit is general business lending. SBA assigns Panama City loans mostly to Bay County, FL (291) and Washington County, FL (11).

Panama City: SBA holders

These Panama City tables show SBA's holders, not verdicts. Panama City lists, for 7(a), Community Bank of Mississippi (19 loans, $3.2 million) and Northeast Bank (ME) (16 loans, $3.9 million). Panama City 504 holders include Florida First Capital Finance Corporation, Inc. with 35 loans ($33.1 million). A Panama City borrower reads these rows as context. No Panama City row promises approval anywhere.

Panama City: outcome rates and data limits

13.6% is the Panama City cancellation floor for FY2017 to FY2024 approvals. Panama City withholds a ceiling: Panama City loans are too few. A rate needs more Panama City disbursed loans. Panama City charge-offs are withheld, not zero. A lender reading Panama City takes both rates as the least. Panama City history only grows. In Panama City, a county name places each loan. Panama City follows the July 2023 delineation. Panama City omits loans with no county match. Panama City totals count loans outside the tracked classes.

Panama City: testing a project

Panama City approvals were thinnest in FY2022 (19 loans, $12.0 million) and heaviest in FY2024 (47 loans, $25.8 million). FY2017 opened the Panama City series with 29 loans ($12.5 million). The latest year, FY2026, shows 35 loans and $27.0 million for Panama City. A Panama City feasibility study tests demand first, from Bay County, FL outward, not from the area average. The Panama City median is $324,000. Set Panama City budgets beside it; nationally it is 1.56x. Panama City coverage is stressed with slower ramp-up. Panama City reviewers will weigh the floors above. Panama City value is tested against cost by appraisal. Panama City comparables decide how. Absorption near Bay County, FL is tested for Panama City on a slow case. Beside Bay County, FL findings, the Panama City study lists what it could not test.