PNC Bank, National Association: SBA Lending Record
What SBA's own loan files show about PNC Bank, National Association as an SBA lender, and how a lender's record bears on a feasibility study.
PNC Bank, National Association: the SBA record
7,483 loans carry PNC Bank, National Association as holder across FY2017 to FY2026: $2.36 billion gross. SBA records PNC Bank, National Association in Delaware. The 7,483 loans count as holdings: SBA names PNC Bank, National Association as holder or last holder. 7,483 loans fall under SBA 7(a). PNC Bank, National Association has 0 in SBA 504. PNC Bank, National Association's range ends with complete FY2026. $2.36 billion gross across 7,483 loans is the scale of PNC Bank, National Association's record. PNC Bank, National Association gives no guarantee on 7,483 loans; SBA does, and no policy appears.
5,596 of PNC Bank, National Association's 7,483 loans have no named class. PNC Bank, National Association's class table reads: Full-service restaurant at 402; Limited-service restaurant (210); Medical office (physicians) at 156; Dental office at 148; Beauty salon (142); Automotive mechanical repair (car and truck) (137); Child care center, 127; Veterinary clinic (107); Fitness center (80); Coffee shop and snack bar (69); Rehabilitation and therapy clinic, 51; Grocery store (41); Liquor store (39); Caterers (includes banquet halls with catering staff) (29). 402 Full-service restaurant loans sit beside 5,596 unclassed ones in PNC Bank, National Association's 7,483. PNC Bank, National Association's classes describe part of 7,483. 210 Limited-service restaurant loans trail 402 Full-service restaurant at PNC Bank, National Association.
PNC Bank, National Association: where the loans sit
By state at PNC Bank, National Association: Texas (2,090); Pennsylvania at 634; Florida (561); New Jersey (500); Ohio (456); California (395); Arizona at 371; Illinois at 346; Alabama, 278; Michigan, 262; Colorado, 254; Maryland (228). PNC Bank, National Association is recorded in Delaware, which does not head this table. Texas alone holds 2,090 of PNC Bank, National Association's 7,483 loans. PNC Bank, National Association's table maps 7,483 loans, no boundary for sites beyond Texas.
PNC Bank, National Association: the floors
For approvals between FY2017 and FY2024, PNC Bank, National Association has 9.0% cancelled at minimum. Ceiling 10.7%: undisbursed loans count as cancelled. Across 4,699 loans disbursed in FY2017 to FY2021, 6.6% are charged off to date, a floor. 5.5% is the five-year figure. A 9.0% floor at PNC Bank, National Association says approval is no funding. 4,699 loans, 6.6% charged off: cash must keep flowing. For PNC Bank, National Association, test one is site demand. At PNC Bank, National Association, test two is full project cost. For PNC Bank, National Association, test three is debt service coverage. At PNC Bank, National Association, test four is the appraisal.
PNC Bank, National Association's record shows a lender 7,483 loans and $2.36 billion gross. PNC Bank, National Association's file hands a borrower 7,483 holdings and no terms. The 7,483 loans cannot show how PNC Bank, National Association would treat a request. 402 Full-service restaurant loans lead the named classes. PNC Bank, National Association shows holdings and little else. PNC Bank, National Association borrowers need a study that stands alone. PNC Bank, National Association appears here as holder of 7,483 loans, and the record ends there.
SBA loans held by PNC Bank, National Association
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 | 7,483 |
|---|---|
| Gross dollars approved | $2.36 billion |
| SBA 7(a) loans | 7,483 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 9.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 10.7% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 6.6% |
| Charged off within five years of approval | 5.5% |
| Loans in that cohort | 4,699 |
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 | 5,596 |
| Full-service restaurant | 402 |
| Limited-service restaurant | 210 |
| Medical office (physicians) | 156 |
| Dental office | 148 |
| Beauty salon | 142 |
| Automotive mechanical repair (car and truck) | 137 |
| Child care center | 127 |
| Veterinary clinic | 107 |
| Fitness center | 80 |
| Coffee shop and snack bar | 69 |
| Rehabilitation and therapy clinic | 51 |
| Grocery store | 41 |
| Liquor store | 39 |
| Caterers (includes banquet halls with catering staff) | 29 |
| Car wash | 25 |
| Beverage manufacturing (breweries, wineries, distilleries) | 23 |
| Multifamily (lessors of residential buildings) | 18 |
| Urgent care and ambulatory surgery | 13 |
| Data center | 10 |
| Diagnostic imaging center | 8 |
| School (elementary and secondary, including charter) | 8 |
| Warehouse and distribution | 7 |
| Behavioral health and addiction treatment | 7 |
| Assisted living (without nursing care) | 6 |
| Life science lab (research and development) | 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 |
|---|---|
| Texas | 2,090 |
| Pennsylvania | 634 |
| Florida | 561 |
| New Jersey | 500 |
| Ohio | 456 |
| California | 395 |
| Arizona | 371 |
| Illinois | 346 |
| Alabama | 278 |
| Michigan | 262 |
| Colorado | 254 |
| Maryland | 228 |
| North Carolina | 223 |
| Indiana | 137 |
| Virginia | 123 |
| Kentucky | 112 |
| Georgia | 108 |
| New Mexico | 75 |
| Missouri | 59 |
| New York | 53 |
| Delaware | 52 |
| Wisconsin | 38 |
| District of Columbia | 27 |
| South Carolina | 26 |
| West Virginia | 13 |
| Tennessee | 9 |
| Louisiana | 6 |
| Washington | 6 |
| Connecticut | 5 |
| Kansas | 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-6384.
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 PNC Bank, National Association 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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