Community National Bank (VT): SBA Lending Record
What SBA's own loan files show about Community National Bank (VT) as an SBA lender, and how a lender's record bears on a feasibility study.
Community National Bank (VT) in SBA's loan files
283 approved loans tie to Community National Bank (VT) in SBA's files, FY2017 to FY2026: $51.9 million gross. Community National Bank (VT) is recorded by SBA in Vermont. The 283 loans count as holdings: Community National Bank (VT) holds or last held each, per SBA. 283 loans belong to SBA 7(a). Community National Bank (VT) has 0 in SBA 504. Community National Bank (VT)'s FY2026 is a complete fiscal year. $51.9 million gross across 283 loans is the scale of Community National Bank (VT)'s record. Behind the 283 loans stands SBA's guarantee, not Community National Bank (VT)'s, so read holdings and not policy.
214 of Community National Bank (VT)'s 283 loans have no named class. Classes at Community National Bank (VT): Beverage manufacturing (breweries, wineries, distilleries) at 21; Full-service restaurant (21); Grocery store at 6. 21 Beverage manufacturing (breweries, wineries, distilleries) loans sit beside 214 unclassed ones in Community National Bank (VT)'s 283. Community National Bank (VT)'s class lines cover part of 283. At Community National Bank (VT), 21 Full-service restaurant loans follow 21 Beverage manufacturing (breweries, wineries, distilleries).
Community National Bank (VT): where the loans sit
Geography is narrow: Vermont is the only state line, at 274 loans out of 283. Vermont alone holds 274 of Community National Bank (VT)'s 283 loans. Community National Bank (VT)'s table maps 283 loans, no boundary for sites beyond Vermont.
Community National Bank (VT) outcome floors
Community National Bank (VT) saw at least 3.4% of FY2017 to FY2024 approvals cancelled. In the Community National Bank (VT) book, the ceiling does not print. That upper bound treats unfunded loans as cancelled. Loan Analytics' own rule withholds it on thin cohorts. Read the gap as unknown; no estimate stands in. For Community National Bank (VT), the loss rate is held back for FY2017 to FY2021 disbursements. Our own rule withholds it when a group is thin. It is not zero; no estimate stands in. Community National Bank (VT) shows 3.4% cancelled, so approval is not funding. Community National Bank (VT): no rate, cash flow must hold. At Community National Bank (VT), test one is site demand. At Community National Bank (VT), test two is full project cost. At Community National Bank (VT), test three is debt service coverage. At Community National Bank (VT), test four is the appraisal.
Community National Bank (VT)'s book gives a lender $51.9 million gross across 283 loans. Community National Bank (VT)'s file hands a borrower 283 holdings and no terms. The 283 loans cannot show how Community National Bank (VT) would treat a request. 21 Beverage manufacturing (breweries, wineries, distilleries) loans sit at the top. Community National Bank (VT) shows holdings and little else. For Community National Bank (VT), bring a self-standing study. Nothing beyond 283 loans appears for Community National Bank (VT).
SBA loans held by Community National Bank (VT)
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 | 283 |
|---|---|
| Gross dollars approved | $51.9 million |
| SBA 7(a) loans | 283 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 3.4% |
|---|---|
| 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.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 214 |
| Beverage manufacturing (breweries, wineries, distilleries) | 21 |
| Full-service restaurant | 21 |
| Grocery store | 6 |
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 |
|---|---|
| Vermont | 274 |
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-6271.
Related feasibility study pages
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