Regions Bank: SBA Lending Record

SBA's public loan files credit Regions Bank with 1,533 loans approved from FY2017 to FY2026, for $1.45 billion in gross dollars. The $1.45 billion for Regions Bank counts approved dollars, not balances. 1,533 loans sit under SBA 7(a), every Regions Bank loan here. Regions Bank reads 0 under SBA 504. 1,533 loans are records SBA keeps on Regions Bank. SBA, not Regions Bank, carries each guarantee. Each of the 1,533 loans is assigned to Regions Bank now, or last held by it. Regions Bank is an SBA 7(a) record of 1,533 loans, in program terms. Here, Regions Bank means the holder SBA names. Regions Bank's 1,533 loans span FY2017 to FY2026 approvals.

Regions Bank: where the loans sit

For Regions Bank, these classes lead: full-service restaurant with 53 loans; child care center with 49 loans; limited-service restaurant with 46 loans. Another 1,182 loans credited to Regions Bank fall outside all of those classes. Regions Bank's 1,533 loans: a slice sits in named classes. Regions Bank lists 53 loans in full-service restaurant. Regions Bank loans lead, by state, in Florida with 434 loans; Texas with 310 loans; Georgia with 138 loans. Regions Bank's sample for Florida sites is 434 loans. Regions Bank's counts are a map only.

Regions Bank: cancelled and charged-off loans

10.1% of Regions Bank approvals, FY2017 to FY2024, were cancelled. For Regions Bank, 10.1% is a floor. Regions Bank's floor stops at FY2024 approvals. For Regions Bank, 10.1% is the ceiling. The Regions Bank ceiling counts undisbursed loans as cancelled. Regions Bank: rates match, so the floor stands. Regions Bank: the cohort runs FY2017 to FY2021. Regions Bank's cohort holds 770 disbursed loans. 4.7% of Regions Bank loans are charged off to date. For Regions Bank, 4.7% is a floor. Regions Bank: the two rates cover different loans. Regions Bank: 2.6% charged off within 5 years.

Regions Bank: what a study must test

Regions Bank's $1.45 billion and 1,533 loans are on record. At Regions Bank, demand comes first: who pays? For Regions Bank, cost is second; 1,533 loans do not replace a quote. For Regions Bank, third is debt service coverage. Regions Bank: 4.7% and 10.1% are floors. At Regions Bank, the appraisal comes last: 1,533 loans cannot set your value. Regions Bank's record cannot settle cost. Here Regions Bank is a holder, not a verdict. Regions Bank's 1,533 loans state nothing about its requirements. Ask Regions Bank directly. Test first, then compare with Regions Bank's 1,533 loans. Ask Regions Bank what a complete study contains.