SBA's public loan files credit Highland Bank with 305 loans approved from FY2017 to FY2026, for $102.1 million in gross dollars. The $102.1 million for Highland Bank counts approved dollars, not balances. Highland Bank holds all 305 loans under SBA 7(a). Highland Bank has 0 loans under SBA 504. Highland Bank holds or held every loan listed. 305 loans carry SBA's guarantee, not Highland Bank's. Highland Bank is the lender SBA shows holding 305 loans now, or last holding them. Highland Bank reflects only SBA 7(a) rules. Here, Highland Bank means the holder SBA names. Highland Bank's 305 loans span FY2017 to FY2026 approvals.

Highland Bank: classes and geography

Classes for Highland Bank begin with beauty salon with 12 loans; full-service restaurant with 6 loans; limited-service restaurant with 5 loans. Outside those classes, the file credits Highland Bank with 257 more loans. Highland Bank's list shows a slice of 305 loans. Highland Bank lists 12 loans in beauty salon. Highland Bank's state listing shows only Minnesota, with 295 loans. Set beside Highland Bank's 305 loans, that is its share. Highland Bank's counts are a map only.

Highland Bank: cancellations and charge-offs

7.5% of Highland Bank approvals, FY2017 to FY2024, were cancelled. For Highland Bank, 7.5% is a floor. Highland Bank's floor stops at FY2024 approvals. Highland Bank shows no ceiling. Highland Bank falls under Loan Analytics' own rule. Highland Bank: the cohort runs FY2017 to FY2021. Highland Bank's cohort holds 146 disbursed loans. 4.1% of Highland Bank loans are charged off to date. For Highland Bank, 4.1% is a floor. Highland Bank: the two rates cover different loans. Highland Bank's five-year rate is withheld. For Highland Bank, under 30 loans means no rate.

Highland Bank: testing a project

Highland Bank's $102.1 million and 305 loans are on record. At Highland Bank, demand comes first: who pays? For Highland Bank, cost is second; 305 loans do not replace a quote. For Highland Bank, third is debt service coverage. Highland Bank: 4.1% and 7.5% are floors. At Highland Bank, the appraisal comes last: 305 loans cannot set your value. Highland Bank's record cannot settle cost. Here Highland Bank is a holder, not a verdict. Highland Bank's 305 loans state nothing about its requirements. Ask Highland Bank directly. Test first, then compare with Highland Bank's 305 loans. Ask Highland Bank what a complete study contains.

SBA loans held by Highland 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	305
Gross dollars approved	$102.1 million
SBA 7(a) loans	305
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	7.5%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	4.1%
Charged off within five years of approval	withheld
Loans in that cohort	146

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	257
Beauty salon	12
Full-service restaurant	6
Limited-service restaurant	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
Minnesota	295

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-16111.

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 Highland 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

Highland Bank: SBA Lending Record