22nd State Bank, A Division of 22nd State Banking Company: SBA Lending Record
What SBA's own loan files show about 22nd State Bank, A Division of 22nd State Banking Company as an SBA lender, and how a lender's record bears on a feasibility study.
22nd State Bank, A Division of 22nd State Banking Company as holder
22nd State Bank, A Division of 22nd State Banking Company holds 348 loans for FY2017 to FY2026. At 22nd State Bank, A Division of 22nd State Banking Company, the gross dollars approved are $400.2 million. Not one of the 348 at 22nd State Bank, A Division of 22nd State Banking Company is an SBA 504 loan; all 348 are SBA 7(a). 22nd State Bank, A Division of 22nd State Banking Company: state of record Alabama. 22nd State Bank, A Division of 22nd State Banking Company is shown as holder of 348 loans at last record, or now. At 22nd State Bank, A Division of 22nd State Banking Company, SBA stands behind the 348. A loan 22nd State Bank, A Division of 22nd State Banking Company passed on no longer shows under 22nd State Bank, A Division of 22nd State Banking Company.
22nd State Bank, A Division of 22nd State Banking Company: named classes
253 of the 348 loans at 22nd State Bank, A Division of 22nd State Banking Company are unplaced. That limits 22nd State Bank, A Division of 22nd State Banking Company's class view. 22nd State Bank, A Division of 22nd State Banking Company: limited-service restaurant first, at 18, child care center at 15, then full-service restaurant at 12. Then at 22nd State Bank, A Division of 22nd State Banking Company: coffee shop and snack bar at 6, then dental office at 5. With 253 unplaced loans in front, 22nd State Bank, A Division of 22nd State Banking Company offers class evidence for part of 348.
22nd State Bank, A Division of 22nd State Banking Company: states
The largest state for 22nd State Bank, A Division of 22nd State Banking Company is Florida at 55 loans, then California with 28 and Texas with 24. The 22nd State Bank, A Division of 22nd State Banking Company table continues through Alabama at 17, Colorado at 17, Georgia at 17, North Carolina at 16, New Jersey at 16, Arizona at 11 and New York at 11, then smaller counts. For 22nd State Bank, A Division of 22nd State Banking Company, home state Alabama shows 17 loans. For 22nd State Bank, A Division of 22nd State Banking Company, 348 loans show holdings, not a lending territory.
22nd State Bank, A Division of 22nd State Banking Company: the floors
22nd State Bank, A Division of 22nd State Banking Company's FY2017 to FY2024 approvals: 2.3% or more cancelled, a floor among 348. Our own rule withholds the 22nd State Bank, A Division of 22nd State Banking Company ceiling. 22nd State Bank, A Division of 22nd State Banking Company's cohorts are too small. Across 107 FY2017 to FY2021 disbursements, 22nd State Bank, A Division of 22nd State Banking Company has at least 0.00% charged off to date, plus 0.00% by five years after approval. 0.00% at 22nd State Bank, A Division of 22nd State Banking Company is a floor. Open 22nd State Bank, A Division of 22nd State Banking Company loans can still be charged off.
22nd State Bank, A Division of 22nd State Banking Company: how to read it
The 22nd State Bank, A Division of 22nd State Banking Company record gives a book's shape. 348 loans mark where 22nd State Bank, A Division of 22nd State Banking Company holds SBA loans. 2.3% cancelled marks where 22nd State Bank, A Division of 22nd State Banking Company approvals fell away, a floor for 348. Neither figure decides a 22nd State Bank, A Division of 22nd State Banking Company request. A 22nd State Bank, A Division of 22nd State Banking Company request has own demand and cost. The 22nd State Bank, A Division of 22nd State Banking Company study should say which of the 348 loans resemble the project. For 22nd State Bank, A Division of 22nd State Banking Company, it should name differences. 348 loans, read plainly, give 22nd State Bank, A Division of 22nd State Banking Company a fair view. A floor of 2.3% is history for 22nd State Bank, A Division of 22nd State Banking Company, not a forecast.
22nd State Bank, A Division of 22nd State Banking Company: study to bring
A borrower weighing 22nd State Bank, A Division of 22nd State Banking Company should treat 348 loans as context, not a promise from 22nd State Bank, A Division of 22nd State Banking Company. In limited-service restaurant, 22nd State Bank, A Division of 22nd State Banking Company shows 18 loans as a reference point. 22nd State Bank, A Division of 22nd State Banking Company: the study tests ticket counts. 22nd State Bank, A Division of 22nd State Banking Company needs build-out cost tested too. Show 22nd State Bank, A Division of 22nd State Banking Company coverage in a slow year too. 22nd State Bank, A Division of 22nd State Banking Company needs an appraisal that supports it. 22nd State Bank, A Division of 22nd State Banking Company offers just 253 unplaced loans for an unnamed type. 22nd State Bank, A Division of 22nd State Banking Company's study makes the case. 22nd State Bank, A Division of 22nd State Banking Company holds 55 loans in Florida. Elsewhere, 22nd State Bank, A Division of 22nd State Banking Company holdings need a reason. Cancelled at 22nd State Bank, A Division of 22nd State Banking Company: a floor of 2.3%. Approval is not funding. A 22nd State Bank, A Division of 22nd State Banking Company study should hold up under delay.
SBA loans held by 22nd State Bank, A Division of 22nd State Banking Company
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 348 |
|---|---|
| Gross dollars approved | $400.2 million |
| SBA 7(a) loans | 348 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 2.3% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 0.00% |
| Charged off within five years of approval | 0.00% |
| Loans in that cohort | 107 |
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.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 253 |
| Limited-service restaurant | 18 |
| Child care center | 15 |
| Full-service restaurant | 12 |
| Coffee shop and snack bar | 6 |
| Dental office | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Florida | 55 |
| California | 28 |
| Texas | 24 |
| Alabama | 17 |
| Colorado | 17 |
| Georgia | 17 |
| North Carolina | 16 |
| New Jersey | 16 |
| Arizona | 11 |
| New York | 11 |
| Pennsylvania | 11 |
| Virginia | 11 |
| Washington | 8 |
| Wisconsin | 8 |
| Illinois | 7 |
| Nevada | 7 |
| Ohio | 7 |
| Massachusetts | 6 |
| Maryland | 6 |
| South Carolina | 6 |
| Hawaii | 5 |
| Oregon | 5 |
| Utah | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
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; Loan Analytics lender cell LP-fdic-16910.
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