PCB Bank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by PCB Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 1,032 | $727.8M | $705K | 18.4% |
| 721110 | Hotels (except Casino Hotels) and Motels | 560 | $1.43B | $2.6M | 10.0% |
| 722513 | Limited-Service Restaurants | 464 | $176.2M | $380K | 8.3% |
| 445320 | Other | 464 | $327.4M | $706K | 8.3% |
| 447110 | Gasoline Stations with Convenience Stores | 392 | $824.1M | $2.1M | 7.0% |
| 457110 | Other | 352 | $766.0M | $2.2M | 6.3% |
| 445310 | Beer, Wine, and Liquor Stores | 280 | $200.1M | $715K | 5.0% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 168 | $237.3M | $1.4M | 3.0% |
| 811192 | Car Washes | 128 | $361.1M | $2.8M | 2.3% |
| 812310 | Coin-Operated Laundries and Drycleaners | 112 | $128.1M | $1.1M | 2.0% |
Geographic Distribution
SBA lending activity for PCB Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 2,496 | $2.91B | 44.4% |
| Texas (TX) | 1,184 | $1.48B | 21.1% |
| Washington (WA) | 496 | $1.10B | 8.8% |
| Oregon (OR) | 128 | $348.5M | 2.3% |
| Colorado (CO) | 168 | $242.7M | 3.0% |
| Georgia (GA) | 296 | $238.2M | 5.3% |
| New York (NY) | 152 | $213.8M | 2.7% |
| Maryland (MD) | 144 | $116.2M | 2.6% |
| Illinois (IL) | 160 | $101.9M | 2.8% |
| Florida (FL) | 48 | $91.4M | 0.9% |
| Virginia (VA) | 88 | $68.3M | 1.6% |
| New Mexico (NM) | 24 | $49.4M | 0.4% |
| Arizona (AZ) | 24 | $45.8M | 0.4% |
| New Jersey (NJ) | 64 | $41.0M | 1.1% |
| Hawaii (HI) | 16 | $39.9M | 0.3% |
| Idaho (ID) | 8 | $38.4M | 0.1% |
| Oklahoma (OK) | 24 | $30.5M | 0.4% |
| District of Columbia (DC) | 24 | $24.2M | 0.4% |
| Ohio (OH) | 8 | $14.9M | 0.1% |
| Alabama (AL) | 8 | $12.9M | 0.1% |
| Connecticut (CT) | 8 | $12.2M | 0.1% |
| Nevada (NV) | 16 | $10.1M | 0.3% |
| West Virginia (WV) | 8 | $9.0M | 0.1% |
| Kansas (KS) | 8 | $4.9M | 0.1% |
| Mississippi (MS) | 8 | $3.2M | 0.1% |
| Tennessee (TN) | 8 | $2.0M | 0.1% |
Why Choose PCB Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 5,616 SBA loans approved, totaling $7.24B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Hotels (except Casino Hotels) and Motels, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.24% with flexible term lengths averaging 217 months
- ✓Loan Range: Loan sizes from $80K to $5.0M, with an average of $1.3M
- ✓Nationwide Reach: Active lending in 26 states, with strong presence in CA, TX, WA
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about PCB Bank SBA lending
What types of businesses does PCB Bank typically finance?
PCB Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, hotels (except casino hotels) and motels, limited-service restaurants, other. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are PCB Bank's typical SBA loan terms?
PCB Bank's SBA 7(a) loans typically feature an average interest rate of 7.24% and average term length of 217 months (approximately 18 years). Loan sizes range from $80K to $5.0M, with an average loan size of $1.3M.
Do I need a business valuation for a PCB Bank SBA loan?
Yes, PCB Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does PCB Bank compare to other SBA lenders?
PCB Bank has originated 5,616 SBA loans totaling $7.24B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does PCB Bank lend in?
PCB Bank provides SBA 7(a) financing with particularly strong presence in CA, TX, WA, GA, CO. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.