The Community Bank in the SBA file

SBA lists The Community Bank as present or last holder of 259 loans approved from FY2017 to FY2026, with $23.4 million in gross dollars. The loans are all 7(a), and 504 counts 0. The dollar total is small, but no average is printed and none should be inferred. Nothing here describes how the bank lends.

Few classed loans

204 of the 259 loans sit in no class of ours. Among the classed ones, full-service restaurant has 9, beverage manufacturing (breweries, wineries, distilleries) 8, and the car and truck repair class and beauty salon 7 each. Taken together the classed loans are a small slice of a file that is mostly unclassed. These are small counts, which show presence and nothing more. Brewery work turns on production capacity, equipment and distribution, while an auto repair study asks about bay count and passing traffic, and a beauty salon study asks about chair count, client retention and lease cost.

No state breakdown

No state breakdown is carried for this holder, so no geography is claimed. The project's own market is the place to look for fit, and no footprint can be inferred from totals alone.

Matching cancellation figures and measured zeros

Cancellation took 6.6% of the approvals from FY2017 through FY2024 (a floor), and the ceiling is likewise 6.6%. The 120 loans disbursed in FY2017 to FY2021 show charge-offs of 0.00% on the running total and 0.00% on the five-year measure. Those are measured values, not withheld ones, but a cohort of 120 is small, loans disbursed after that window sit outside it, and charge-offs may still appear as loans age. A clean small cohort is not a forecast for a new project, and the study should not lean on it.

A study beside the record

A lender's file is context. A feasibility study makes the case, with demand at the site, a cost budget, a payment test under softer sales and an appraisal. A borrower who brings these to a lender, of whatever size, gives the credit reader something to test, and no count of past loans stands in for them.

SBA loans held by The Community 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	259
Gross dollars approved	$23.4 million
SBA 7(a) loans	259
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)	6.6%
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	120

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	204
Full-service restaurant	9
Beverage manufacturing (breweries, wineries, distilleries)	8
Automotive mechanical repair (car and truck)	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-5981.

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 The Community 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

The Community Bank: SBA Lending Record