Capital Bank, National Association: SBA Lending Record
What SBA's own loan files show about Capital Bank, National Association as an SBA lender, and how a lender's record bears on a feasibility study.
Loans held and dollars at Capital Bank, National Association
874 loans, approved FY2017 to FY2026, have Capital Bank, National Association as SBA-listed holder. $579.9 million gross was approved on the 874 loans held by Capital Bank, National Association. Each Capital Bank, National Association figure covers loans held, 874, now or earlier. SBA guarantees them; Capital Bank, National Association does not. SBA tags 874 as 7(a), none 504, under Capital Bank, National Association. Capital Bank, National Association appears as holder, current or last.
723 of 874 loans, held by Capital Bank, National Association, sit in no listed asset class. At Capital Bank, National Association, rows by class cover the remainder. Capital Bank, National Association class rows open with full-service restaurant, 23 of 874 loans. Then fitness center with 15 loans, hotel and motel at 14 and medical office (14). Lower Capital Bank, National Association rows: 11 loans in child care center, 10 in limited-service restaurant and dental office with 8 loans. Capital Bank, National Association: more rows in the table.
Capital Bank, National Association state rows begin with 122 in Maryland, Virginia (114), 76 in California, North Carolina (69), 67 in Florida, Texas (62), 43 in New York, Georgia (37) and 31 in South Carolina. Maryland holds the largest share, 122 loans. Later states carry fewer Capital Bank, National Association loans each; depth varies by place.
At Capital Bank, National Association: cancellations and charge-offs
11.7% is the cancellation floor at Capital Bank, National Association, across FY2017 to FY2024 approvals. 11.7% stands alone for Capital Bank, National Association; Loan Analytics withholds its ceiling. Among 361 loans disbursed FY2017 to FY2021, Capital Bank, National Association has 3.0% charged off, a floor. Capital Bank, National Association: five-year charge-offs, withheld by rule. Capital Bank, National Association outcomes show; reasons do not. Capital Bank, National Association cohort rates cover FY2017 to FY2021 disbursements. Capital Bank, National Association: 11.7% is a floor, 874 loans notwithstanding, not a forecast. Capital Bank, National Association rates stay floors; 874 loans could still lift 11.7%.
Capital Bank, National Association: what a borrower can take
Capital Bank, National Association, a bank or lender, comes with 874 loans of background. Nothing in Capital Bank, National Association rows states what Capital Bank, National Association asks of an applicant. For Capital Bank, National Association, weigh fitness center, 874 loans deep, and the project against Virginia. Capital Bank, National Association: other sources go in the study.
874 loans replace nothing in the study; $579.9 million gross at Capital Bank, National Association informs it only. 874 loans at Capital Bank, National Association do not carry full-service restaurant demand, Capital Bank, National Association cannot; Maryland conditions do, not Capital Bank, National Association. Budget lines meet raised funds, 874 loans staying aside. 874 loans give Capital Bank, National Association breadth, not depth. Capital Bank, National Association must survive 11.7% as a minimum, not as the aim. Capital Bank, National Association aside, debt service coverage keeps 11.7% in view, on stabilized income. At Capital Bank, National Association, loan size follows appraised value. Capital Bank, National Association: no study promises approval; 874 loans or none, it prepares the file.
SBA loans held by Capital Bank, National Association
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 | 874 |
|---|---|
| Gross dollars approved | $579.9 million |
| SBA 7(a) loans | 874 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 11.7% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.0% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 361 |
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 | 723 |
| Full-service restaurant | 23 |
| Fitness center | 15 |
| Hotel and motel | 14 |
| Medical office (physicians) | 14 |
| Child care center | 11 |
| Limited-service restaurant | 10 |
| Dental office | 8 |
| Beverage manufacturing (breweries, wineries, distilleries) | 6 |
| Beauty salon | 6 |
| Coffee shop and snack bar | 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 |
|---|---|
| Maryland | 122 |
| Virginia | 114 |
| California | 76 |
| North Carolina | 69 |
| Florida | 67 |
| Texas | 62 |
| New York | 43 |
| Georgia | 37 |
| South Carolina | 31 |
| Illinois | 27 |
| District of Columbia | 17 |
| Tennessee | 16 |
| Washington | 14 |
| Colorado | 13 |
| Michigan | 13 |
| New Jersey | 13 |
| Ohio | 13 |
| Pennsylvania | 12 |
| Indiana | 11 |
| Louisiana | 11 |
| Massachusetts | 10 |
| Arizona | 9 |
| Iowa | 7 |
| Utah | 7 |
| Nevada | 6 |
| Oregon | 6 |
| Alabama | 5 |
| Delaware | 5 |
| Hawaii | 5 |
| Kentucky | 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-35278.
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