Gross approvals for US Metro Bank total $1.76 billion on 956 loans, FY2017 to FY2026. US Metro Bank shows 956 7(a) loans, and no 504 loans. US Metro Bank has 956 loans assigned to it. 956 loans carry SBA's guarantee, not US Metro Bank's.

What US Metro Bank holds, by class and state

US Metro Bank ranks by loans as Hotel and motel, 303, Gas station and truck stop, 111, Full-service restaurant, 56, Liquor store, 44 and Limited-service restaurant, 38. 284 US Metro Bank loans fit none of the tracked classes. US Metro Bank's states by loans run California, 495, Texas, 150, Washington, 77, Nevada, 26 and Arizona, 16.

US Metro Bank: cancellations and charge-offs

9.7% is the cancellation floor on US Metro Bank approvals from FY2017 to FY2024. The US Metro Bank range runs from that floor up to 9.7%, the ceiling. US Metro Bank rate: withheld, with fewer than 30 of 956 loans disbursed in FY2017 to FY2021. US Metro Bank figure: withheld by Loan Analytics' own rule. US Metro Bank: each rate is the least SBA shows.

US Metro Bank in a feasibility study

US Metro Bank lists 303 loans in the Hotel and motel class. US Metro Bank study needs room supply nearby. US Metro Bank: rate and occupancy remains open across 303 Hotel and motel loans. US Metro Bank study also needs franchise cost. 111 loans of US Metro Bank fall in the Gas station and truck stop class. US Metro Bank study must prove lot environment. 111 Gas station and truck stop loans leave site traffic open. US Metro Bank total of $1.76 billion says nothing about any one site. US Metro Bank also has 284 loans in no tracked class. US Metro Bank: the project must carry the case. For 495 US Metro Bank loans in California, local evidence still decides. US Metro Bank: ask directly what it needs to see. US Metro Bank shows 956 loans, not demand at any one site. US Metro Bank totals trail supply near the site. US Metro Bank study: written support behind each revenue figure. US Metro Bank request: build cost quoted, not assumed. US Metro Bank debt service needs a cautious revenue case. US Metro Bank history cannot stand in for an appraisal. US Metro Bank study needs a downside case in writing. US Metro Bank: assumptions stated, coverage tested, value supported. US Metro Bank lists 956 loans and $1.76 billion in gross approvals. US Metro Bank equity belongs in the study.

US Metro Bank cancellation rates use approvals through FY2024 only. US Metro Bank totals add FY2025 and FY2026 approvals. US Metro Bank figures describe loans held, not lender practices. 956 loans cannot predict one new request to US Metro Bank. US Metro Bank withheld values are never zeros or estimates.

SBA loans held by US Metro 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	956
Gross dollars approved	$1.76 billion
SBA 7(a) loans	956
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	9.7%
The same, counting loans still undisbursed as cancelled (a ceiling)	9.7%
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
Hotel and motel	303
Not in any of the 39 asset classes	284
Gas station and truck stop	111
Full-service restaurant	56
Liquor store	44
Limited-service restaurant	38
Assisted living (without nursing care)	19
Car wash	17
Automotive mechanical repair (car and truck)	16
Grocery store	13
Dental office	9
Nonresidential lessor (flex, office and retail investor buildings)	7
Coffee shop and snack bar	7
Child care 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
California	495
Texas	150
Washington	77
Nevada	26
Arizona	16
Maryland	14
Colorado	12
Florida	12
Oregon	12
Georgia	11
Ohio	11
Virginia	11
Alabama	9
New Mexico	9
Oklahoma	8
Louisiana	6
Missouri	6
New York	6
Utah	6
Kansas	5
Pennsylvania	5
Tennessee	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-58310.

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 US Metro 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

US Metro Bank: SBA Lending Record