Liberty Bank (CT): SBA Lending Record
What SBA's own loan files show about Liberty Bank (CT) as an SBA lender, and how a lender's record bears on a feasibility study.
Liberty Bank in SBA data
476 loans for FY2017 to FY2026 sit under Liberty Bank (CT). At Liberty Bank, they add up to $92.7 million in gross dollars approved. All 476 are SBA 7(a) loans, and Liberty Bank has 0 SBA 504 loans. Liberty Bank is recorded in Connecticut. The 476 figures are SBA's records of Liberty Bank holdings. Nothing in them shows what Liberty Bank requires. SBA, not Liberty Bank, guarantees them. Each of the 476 sits under its latest holder.
Liberty Bank: asset classes
Liberty Bank has 327 loans in no named class, so Liberty Bank class views cover part of 476. Liberty Bank: full-service restaurant leads, at 41; limited-service restaurant at 14, liquor store at 13. Last at Liberty Bank: beauty salon at 13, fitness center at 11, then child care center at 11. Also at Liberty Bank: automotive mechanical repair at 10; medical office at 9, beverage manufacturing at 7. Then at Liberty Bank: coffee shop and snack bar at 5. The 327 unplaced loans are the largest block at Liberty Bank. Its class comparison of 476 rests on a minority.
Liberty Bank: geography
The state table for Liberty Bank lists Connecticut alone, at 464 loans. A project in Connecticut meets a Liberty Bank book. For a project elsewhere, Liberty Bank gives no state count.
Liberty Bank: loan outcomes
Cancellation floor for Liberty Bank over FY2017 to FY2024 approvals: 10.9%, among 476. Our own rule withholds the Liberty Bank five-year figure. Liberty Bank's cohorts are too small. Liberty Bank ceiling: 10.9%, counting undisbursed loans as cancelled. Liberty Bank: floor and ceiling meet. Across 228 FY2017 to FY2021 disbursements, Liberty Bank has at least 5.7% charged off to date. 5.7% at Liberty Bank is a floor. Open Liberty Bank loans can still be charged off.
Liberty Bank: using the figures
Liberty Bank figures form a map of holdings. 476 loans show where Liberty Bank stands as holder. The 10.9% cancellation floor shows how Liberty Bank approvals fared. It forecasts no Liberty Bank request. A Liberty Bank project has demand and cost. A Liberty Bank borrower should name which of the 476 loans look like it. Differences matter to Liberty Bank as much as likenesses. 476 loans, plainly told, let Liberty Bank judge the study. A floor of 10.9% at Liberty Bank describes the past, not the future.
Liberty Bank: study tests
Preparing a request to Liberty Bank? Read 476 loans as background for Liberty Bank. Full-service restaurant borrowers at Liberty Bank meet 41 loans, the closest comparison. Liberty Bank: the study tests sales per seat. Liberty Bank needs labour cost tested too. Show Liberty Bank coverage in a slow year too. Liberty Bank needs an appraisal that supports it. Liberty Bank offers just 327 unplaced loans for an unnamed type. Liberty Bank's study makes the case. Liberty Bank holds 464 loans in Connecticut. Elsewhere, Liberty Bank holdings need a reason. At Liberty Bank, a cancellation floor of 10.9% means approval is not funding. The Liberty Bank study should allow for delay.
SBA loans held by Liberty Bank (CT)
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 | 476 |
|---|---|
| Gross dollars approved | $92.7 million |
| SBA 7(a) loans | 476 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.9% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 10.9% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 5.7% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 228 |
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 | 327 |
| Full-service restaurant | 41 |
| Limited-service restaurant | 14 |
| Liquor store | 13 |
| Beauty salon | 13 |
| Fitness center | 11 |
| Child care center | 11 |
| Automotive mechanical repair (car and truck) | 10 |
| Medical office (physicians) | 9 |
| Beverage manufacturing (breweries, wineries, distilleries) | 7 |
| 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 |
|---|---|
| Connecticut | 464 |
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-17943.
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