Bristol County Savings Bank in SBA records

Bristol County Savings Bank has 355 loans and $72.5 million approved in gross dollars in SBA's FY2017 through FY2026 data. Every one is SBA 7(a), and the file names MA for the lender. The page repeats what SBA reports: loans the bank holds now or held last, with the guarantee on 355 loans carried by SBA. A reassigned loan shows under the later holder. Bristol County Savings Bank's standards are not described on this page.

Massachusetts and a short class table

The state table lists Massachusetts with 218 loans. Of the 355, 261 have no named class. The full-service restaurant and the limited-service restaurant tie at 15 loans each, the fitness center has 9, automotive repair 7 and the rehabilitation and therapy clinic 6.

Approvals that fell away, loans written off

Of FY2017 to FY2024 approvals, 8.7% cancelled for sure; 11.6% with undisbursed loans added. The cohort charge-off rate is withheld under its own rule, because under 30 loans form that cohort, and the blank is not a zero.

A study against a thin record

The class counts are small, so this record offers a borrower little more than a reference point. A restaurant study should follow sales per seat or counter volume, labour and occupancy cost. A fitness study should follow churn, membership depth and what the build-out costs. A therapy clinic study should follow visit volume, payer mix and provider capacity. Because 261 of the 355 loans are unclassified, anyone borrowing should expect to build most of the market case from its own site and demand evidence, with debt service coverage in two cases and an appraised value that holds up.

A modest file, read modestly

At 355 loans and $72.5 million, this is a modest record, and the class counts of 15, 15, 9, 7 and 6 are small enough that one or two loans would change the order. The cancellation range of 8.7% to 11.6% is the one outcome measure available. A borrower should read the file as evidence that the bank appears in SBA's records for a variety of small projects in Massachusetts, not as guidance on any single class.

SBA loans held by Bristol County Savings Bank

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	355
Gross dollars approved	$72.5 million
SBA 7(a) loans	355
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	8.7%
The same, counting loans still undisbursed as cancelled (a ceiling)	11.6%
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.

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	261
Full-service restaurant	15
Limited-service restaurant	15
Fitness center	9
Automotive mechanical repair (car and truck)	7
Rehabilitation and therapy clinic	6
Child care center	6
Beauty salon	6
Gas station and truck stop	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
Massachusetts	218

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-23622.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Bristol County Savings Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Bristol County Savings Bank: SBA Lending Record