Republic Bank & Trust Company: SBA Lending Record
What SBA's own loan files show about Republic Bank & Trust Company as an SBA lender, and how a lender's record bears on a feasibility study.
SBA's public loan files credit Republic Bank & Trust Company with 428 loans approved from FY2017 to FY2026, for $168.8 million in gross dollars. The $168.8 million for Republic Bank & Trust Company counts approved dollars, not balances. Republic Bank & Trust Company holds all 428 loans under SBA 7(a). Republic Bank & Trust Company has 0 loans under SBA 504. Republic Bank & Trust Company holds or held every loan listed. 428 loans carry SBA's guarantee, not Republic Bank & Trust Company's. Republic Bank & Trust Company is the lender SBA shows holding 428 loans now, or last holding them. Republic Bank & Trust Company is an SBA 7(a) record of 428 loans, in program terms. Here, Republic Bank & Trust Company means the holder SBA names. Republic Bank & Trust Company's 428 loans span FY2017 to FY2026 approvals.
Republic Bank & Trust Company: what the loans cover
Classes for Republic Bank & Trust Company begin with full-service restaurant with 26 loans; medical office with 17 loans; fitness center with 17 loans. Outside those classes, the file credits Republic Bank & Trust Company with 291 more loans. Republic Bank & Trust Company's list shows a slice of 428 loans. Republic Bank & Trust Company lists 26 loans in full-service restaurant. Republic Bank & Trust Company's counts are a map only.
Republic Bank & Trust Company: cancelled and charged-off loans
6.6% of Republic Bank & Trust Company approvals, FY2017 to FY2024, were cancelled. For Republic Bank & Trust Company, 6.6% is a floor. Republic Bank & Trust Company's floor stops at FY2024 approvals. Republic Bank & Trust Company shows no ceiling. Republic Bank & Trust Company falls under Loan Analytics' own rule. For Republic Bank & Trust Company, under 30 loans means no rate. Republic Bank & Trust Company: the cohort runs FY2017 to FY2021. Republic Bank & Trust Company's cohort holds 180 disbursed loans. 0.00% of Republic Bank & Trust Company loans are charged off to date. For Republic Bank & Trust Company, 0.00% is a floor. Republic Bank & Trust Company: the two rates cover different loans. Republic Bank & Trust Company: 0.00% charged off within 5 years.
Republic Bank & Trust Company: what a study must test
Republic Bank & Trust Company's $168.8 million and 428 loans are on record. At Republic Bank & Trust Company, demand comes first: who pays? For Republic Bank & Trust Company, cost is second; 428 loans do not replace a quote. For Republic Bank & Trust Company, third is debt service coverage. Republic Bank & Trust Company: 0.00% and 6.6% are floors. At Republic Bank & Trust Company, the appraisal comes last: 428 loans cannot set your value. Republic Bank & Trust Company's record cannot settle cost. Here Republic Bank & Trust Company is a holder, not a verdict. Republic Bank & Trust Company's 428 loans state nothing about its requirements. Ask Republic Bank & Trust Company directly. Test first, then compare with Republic Bank & Trust Company's 428 loans. Ask Republic Bank & Trust Company what a complete study contains.
SBA loans held by Republic Bank & Trust Company
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 | 428 |
|---|---|
| Gross dollars approved | $168.8 million |
| SBA 7(a) loans | 428 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 6.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 0.00% |
| Charged off within five years of approval | 0.00% |
| Loans in that cohort | 180 |
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 | 291 |
| Full-service restaurant | 26 |
| Medical office (physicians) | 17 |
| Fitness center | 17 |
| Limited-service restaurant | 9 |
| Beverage manufacturing (breweries, wineries, distilleries) | 8 |
| Automotive mechanical repair (car and truck) | 8 |
| Coffee shop and snack bar | 8 |
| Diagnostic imaging center | 7 |
| Child care center | 7 |
| Beauty salon | 7 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
The state breakdown is withheld, so that no group of fewer than 5 loans can 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-23627.
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 Republic Bank & Trust Company 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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