Oriental Bank: SBA Lending Record
What SBA's own loan files show about Oriental Bank as an SBA lender, and how a lender's record bears on a feasibility study.
Oriental Bank: loans and programs
Oriental Bank has 1,116 approved loans in SBA's files, $176.5 million gross, FY2017 to FY2026. In SBA's file, Oriental Bank sits in PR. SBA, not Oriental Bank, guarantees these 1,116 loans. Counts for Oriental Bank describe records only. All 1,116 loans at Oriental Bank are 7(a); 0 are 504. These 1,116 loans are ones that SBA shows Oriental Bank holding, now or before.
Classes and places for Oriental Bank
Oriental Bank has 718 loans, of 1,116, outside the classes covered here. Across tracked classes, Oriental Bank stands thus: Medical office (physicians) (128), Full-service restaurant (73), Rehabilitation and therapy clinic (27), Dental office (26), Limited-service restaurant (25), Grocery store (24), Beauty salon (20), Assisted living (without nursing care) (17). Fitness center closes the class list with 6 loans. Anyone planning Medical office (physicians) will find 128 loans on the record of Oriental Bank. Full-service restaurant follows with 73 loans at Oriental Bank. Rehabilitation and therapy clinic comes third at Oriental Bank, with 27 loans. U.S. Virgin Islands follows with 19 loans in the Oriental Bank record. The state column for Oriental Bank opens Puerto Rico (1,097), U.S. Virgin Islands (19). SBA records the lender state as PR, and the largest state by loans is Puerto Rico.
Cancellation and charge-off floors for Oriental Bank
Cancellations after approval for Oriental Bank, FY2017 to FY2024 approvals: 10.0% as a floor and 11.4% as a ceiling that counts undisbursed loans. Oriental Bank shows floors, not final rates, for cohort loans could yet be charged off after the data was cut. The charge-off floor for Oriental Bank on FY2017 to FY2021 disbursements stands at 2.0%, measured across 491 loans. Oriental Bank shows 1.0% charged off within five years of approval.
Using the Oriental Bank record in a study
Medical office (physicians) at Oriental Bank starts with a look at demand. Second, a study of Full-service restaurant has to test the cost to build, with 73 such loans on Oriental Bank's record. The coverage of debt service follows, and $176.5 million across 1,116 loans at Oriental Bank never settles it for a project. The appraisal completes the list, and 27 loans in Rehabilitation and therapy clinic at Oriental Bank cannot stand in for it. Puerto Rico shows 1,097 loans and U.S. Virgin Islands shows 19 at Oriental Bank, a place-by-place view to read beside the study. Oriental Bank alone knows what it requires. No approval is promised here, and Oriental Bank sets its own terms.
SBA loans held by Oriental 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 | 1,116 |
|---|---|
| Gross dollars approved | $176.5 million |
| SBA 7(a) loans | 1,116 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 11.4% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 2.0% |
| Charged off within five years of approval | 1.0% |
| Loans in that cohort | 491 |
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 | 718 |
| Medical office (physicians) | 128 |
| Full-service restaurant | 73 |
| Rehabilitation and therapy clinic | 27 |
| Dental office | 26 |
| Limited-service restaurant | 25 |
| Grocery store | 24 |
| Beauty salon | 20 |
| Assisted living (without nursing care) | 17 |
| Veterinary clinic | 11 |
| Automotive mechanical repair (car and truck) | 11 |
| Gas station and truck stop | 7 |
| Coffee shop and snack bar | 7 |
| Skilled nursing | 6 |
| Fitness center | 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 |
|---|---|
| Puerto Rico | 1,097 |
| U.S. Virgin Islands | 19 |
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-31469.
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