Falcon National Bank: SBA Lending Record

What SBA's own loan files show about Falcon National Bank as an SBA lender, and how a lender's record bears on a feasibility study.

Falcon National Bank holds 385 loans approved from FY2017 to FY2026, worth $236.8 million gross. Falcon National Bank shows 385 7(a) loans, and no 504 loans. Falcon National Bank is listed by SBA as holder of 385 7(a) loans. Falcon National Bank holds 385 loans that SBA guarantees.

What Falcon National Bank holds, by class and state

Falcon National Bank puts its largest named classes at Liquor store, 14, Limited-service restaurant, 11, Fitness center, 10 and Full-service restaurant, 10 loans. The largest Falcon National Bank group, 310 loans, fits no tracked class. Falcon National Bank's states by loans run Minnesota, 297, Pennsylvania, 17, Texas, 14, Arizona, 11 and Georgia, 8.

Falcon National Bank: cancellations and charge-offs

Falcon National Bank has a cancellation floor of 4.5% across FY2017 to FY2024 approvals. Falcon National Bank ceiling: withheld, per Loan Analytics' own rule. Falcon National Bank ceiling: no zero, no estimate. At Falcon National Bank, 3.5% of 172 loans were charged off, a floor. The Falcon National Bank cohort covers FY2017 to FY2021 disbursements. Falcon National Bank five-year charge-offs: withheld, not zero. Falcon National Bank: read each rate as a floor.

Falcon National Bank in a feasibility study

14 loans of Falcon National Bank fall in the Liquor store class. Falcon National Bank study needs licence status. 14 Liquor store loans leave rent and margin open. Falcon National Bank study also needs basket size. 11 loans of Falcon National Bank fall in the Limited-service restaurant class. Falcon National Bank study must prove site traffic. 11 Limited-service restaurant loans leave comparable sales open. Falcon National Bank total of $236.8 million says nothing about any one site. Falcon National Bank also has 310 loans in no tracked class. At Falcon National Bank, the project must carry the case. Falcon National Bank: 297 loans in Minnesota, each site needs local evidence. Falcon National Bank: ask directly what it needs to see. 385 loans at Falcon National Bank do not measure demand at one site. Falcon National Bank: competing supply near the site matters most. Falcon National Bank study revenue assumptions need written support. Falcon National Bank request: build cost quoted, not assumed. Falcon National Bank request: coverage holds on cautious revenue.What an appraiser concludes about a property does not follow from Falcon National Bank holdings. Falcon National Bank study needs a downside case in writing. Falcon National Bank: assumptions stated, coverage tested, value supported. Falcon National Bank carries $236.8 million in gross approvals on 385 loans. Falcon National Bank loan equity should be stated plainly.

Falcon National Bank cancellation floors stop at FY2024 approvals. Falcon National Bank totals add FY2025 and FY2026 approvals. Falcon National Bank cohort: 172 loans disbursed in FY2017 to FY2021. Falcon National Bank figures describe loans held, not lender practices. 385 loans cannot predict one new request to Falcon National Bank. Falcon National Bank withheld values are never zeros or estimates.

SBA loans held by Falcon National 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 FY2026385
Gross dollars approved$236.8 million
SBA 7(a) loans385
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)4.5%
The same, counting loans still undisbursed as cancelled (a ceiling)withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)3.5%
Charged off within five years of approvalwithheld
Loans in that cohort172

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 classLoans
Not in any of the 39 asset classes310
Liquor store14
Limited-service restaurant11
Fitness center10
Full-service restaurant10

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

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-57603.

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 Falcon National Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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