Tompkins Community Bank: SBA Lending Record

What SBA's own loan files show about Tompkins Community Bank as an SBA lender, and how a lender's record bears on a feasibility study.

Daniel Smith, MAI

Tompkins Community Bank holds 331 loans approved from FY2017 to FY2026, worth $56.9 million gross. 331 loans, all in 7(a), stand against Tompkins Community Bank; none are 504. For 331 loans, SBA's record names Tompkins Community Bank as the lender. 331 loans carry SBA's guarantee, not Tompkins Community Bank's.

Tompkins Community Bank: classes and states

Tompkins Community Bank lists Full-service restaurant, 16, Limited-service restaurant, 9, Beverage manufacturing (breweries, wineries, distilleries), 7, Automotive mechanical repair (car and truck), 5 and Fitness center, 5 loans among its leading classes. The largest Tompkins Community Bank group, 250 loans, fits no tracked class. Tompkins Community Bank shows a single state: New York, 306 loans.

Tompkins Community Bank outcome floors

5.6% is the cancellation floor on Tompkins Community Bank approvals from FY2017 to FY2024. 5.6% is the Tompkins Community Bank ceiling, counting undisbursed approvals as cancelled. Tompkins Community Bank rate: withheld, with fewer than 30 of 331 loans disbursed in FY2017 to FY2021. Tompkins Community Bank figure: withheld by Loan Analytics' own rule. Tompkins Community Bank floors rise only as loans age.

Tompkins Community Bank in a feasibility study

Tompkins Community Bank: 16 loans in the Full-service restaurant class. Tompkins Community Bank study needs site traffic. Tompkins Community Bank: labour and food cost remains open across 16 Full-service restaurant loans. Tompkins Community Bank history says nothing on comparable sales. Tompkins Community Bank lists 9 loans in the Limited-service restaurant class. Tompkins Community Bank study must prove labour and food cost. Tompkins Community Bank: comparable sales remains open across 9 Limited-service restaurant loans. Tompkins Community Bank total of $56.9 million says nothing about any one site. 250 Tompkins Community Bank loans fit no tracked class. Tompkins Community Bank: the project must carry the case. For 306 Tompkins Community Bank loans in New York, local evidence still decides. Tompkins Community Bank should be asked directly what it needs. 331 loans at Tompkins Community Bank do not measure demand at one site. Tompkins Community Bank totals trail supply near the site. Tompkins Community Bank study revenue assumptions need written support. Tompkins Community Bank request: build cost quoted, not assumed. Tompkins Community Bank request: coverage holds on cautious revenue. Only a site appraisal can support value, whatever Tompkins Community Bank holds. Tompkins Community Bank study needs a downside case in writing. Tompkins Community Bank: assumptions stated, coverage tested, value supported. Tompkins Community Bank lists 331 loans and $56.9 million in gross approvals. Tompkins Community Bank equity belongs in the study.

Tompkins Community Bank cancellation floors stop at FY2024 approvals. Tompkins Community Bank totals add FY2025 and FY2026 approvals. Tompkins Community Bank figures describe loans held, not lender practices. 331 loans cannot predict one new request to Tompkins Community Bank. Tompkins Community Bank withheld values are never zeros or estimates.

SBA loans held by Tompkins 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	331
Gross dollars approved	$56.9 million
SBA 7(a) loans	331
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	5.6%
The same, counting loans still undisbursed as cancelled (a ceiling)	5.6%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

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	250
Full-service restaurant	16
Limited-service restaurant	9
Beverage manufacturing (breweries, wineries, distilleries)	7
Automotive mechanical repair (car and truck)	5
Fitness 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
New York	306

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-609.

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 Tompkins 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

Request Scope & Timeline

Start with the data.