PCB in SBA data

1,297 loans for FY2017 to FY2026 sit under PCB Bank. At PCB, they add up to $1.49 billion in gross dollars approved. All 1,297 are SBA 7(a) loans, and PCB has 0 SBA 504 loans. PCB is recorded in California. The 1,297 figures are SBA's records of PCB holdings. Nothing in them shows what PCB requires. SBA, not PCB, guarantees them. Each of the 1,297 sits under its latest holder.

PCB: asset classes

PCB has 374 loans in no named class, so PCB class views cover part of 1,297. PCB: full-service restaurant leads, at 208, liquor store at 176, then gas station and truck stop at 172. Lower at PCB: limited-service restaurant at 123, then hotel and motel at 108, next grocery store at 40. Next at PCB: car wash at 28, coffee shop and snack bar at 17, then dental office at 16. Further at PCB: automotive mechanical repair at 7; caterers at 6, beauty salon at 6. The 374 unplaced loans are the largest block at PCB, ahead of any class. Named classes at PCB cover the rest of 1,297.

PCB: geography

California heads the PCB state table at 599 loans, then Texas with 201 and Washington with 122. The PCB table continues through Illinois at 67, Georgia at 64, Colorado at 44, New York at 41, Maryland at 37, Oregon at 22 and Virginia at 19, then smaller counts. The PCB spread shows whether the 1,297 holdings reach beyond California.

PCB: loan outcomes

Cancellation floor for PCB over FY2017 to FY2024 approvals: 9.3%, among 1,297. PCB ceiling: 9.3%, counting undisbursed loans as cancelled. PCB: floor and ceiling meet. PCB has 710 FY2017 to FY2021 disbursements. At least 1.8% are charged off to date, 0.85% within five years of approval. The PCB figure of 1.8% is a floor. Open PCB loans can still be charged off.

PCB: using the figures

PCB figures form a map of holdings. 1,297 loans show where PCB stands as holder. The 9.3% cancellation floor shows how PCB approvals fared. It forecasts no PCB request. A PCB project has demand and cost. A PCB borrower should name which of the 1,297 loans look like it. Differences matter to PCB as much as likenesses. 1,297 loans, plainly told, let PCB judge the study. A floor of 9.3% at PCB describes the past, not the future.

PCB: study tests

Preparing a request to PCB? Read 1,297 loans as background for PCB. Full-service restaurant borrowers at PCB meet 208 loans, the closest comparison. PCB: the study tests sales per seat. PCB needs labour cost tested too. Show PCB coverage in a slow year too. PCB needs an appraisal that supports it. PCB offers just 374 unplaced loans for an unnamed type. PCB's study makes the case. PCB holds 599 loans in California. Elsewhere, PCB holdings need a reason. At PCB, a cancellation floor of 9.3% means approval is not funding. The PCB study should allow for delay.

SBA loans held by PCB 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	1,297
Gross dollars approved	$1.49 billion
SBA 7(a) loans	1,297
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	9.3%
The same, counting loans still undisbursed as cancelled (a ceiling)	9.3%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	1.8%
Charged off within five years of approval	0.85%
Loans in that cohort	710

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	374
Full-service restaurant	208
Liquor store	176
Gas station and truck stop	172
Limited-service restaurant	123
Hotel and motel	108
Grocery store	40
Car wash	28
Coffee shop and snack bar	17
Dental office	16
Automotive mechanical repair (car and truck)	7
Caterers (includes banquet halls with catering staff)	6
Beauty salon	6
Medical office (physicians)	5
Child care center	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
California	599
Texas	201
Washington	122
Illinois	67
Georgia	64
Colorado	44
New York	41
Maryland	37
Oregon	22
Virginia	19
New Jersey	17
Alabama	7
Florida	7
Nevada	7
Arizona	6
District of Columbia	6
South Carolina	5

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-57463.

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 PCB 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

PCB Bank: SBA Lending Record