SNB Bank, National Association
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by SNB Bank, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 524210 | Insurance Agencies and Brokerages | 88 | $29.5M | $335K | 25.0% |
| 722511 | Full-Service Restaurants | 32 | $7.4M | $233K | 9.1% |
| 621210 | Offices of Dentists | 32 | $18.7M | $583K | 9.1% |
| 541690 | Other Scientific and Technical Consulting Services | 24 | $1.4M | $59K | 6.8% |
| 311811 | Retail Bakeries | 24 | $13.4M | $557K | 6.8% |
| 445291 | Baked Goods Stores | 16 | $9.3M | $583K | 4.5% |
| 722513 | Limited-Service Restaurants | 16 | $7.4M | $463K | 4.5% |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 16 | $32.7M | $2.0M | 4.5% |
| 623220 | Residential Mental Health and Substance Abuse Facilities | 8 | $39.9M | $5.0M | 2.3% |
| 711410 | Agents and Managers for Artists, Athletes, Entertainers, and Other Pub | 8 | $2.1M | $261K | 2.3% |
Geographic Distribution
SBA lending activity for SNB Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Oklahoma (OK) | 104 | $58.1M | 29.5% |
| Washington (WA) | 8 | $39.9M | 2.3% |
| Maryland (MD) | 8 | $24.9M | 2.3% |
| Illinois (IL) | 40 | $21.5M | 11.4% |
| California (CA) | 40 | $21.2M | 11.4% |
| Georgia (GA) | 48 | $20.5M | 13.6% |
| Texas (TX) | 32 | $13.8M | 9.1% |
| Arizona (AZ) | 16 | $9.4M | 4.5% |
| Utah (UT) | 8 | $2.8M | 2.3% |
| Missouri (MO) | 8 | $2.8M | 2.3% |
| North Carolina (NC) | 8 | $2.8M | 2.3% |
| Tennessee (TN) | 8 | $2.8M | 2.3% |
| South Carolina (SC) | 8 | $2.6M | 2.3% |
| Iowa (IA) | 8 | $1.2M | 2.3% |
| Virginia (VA) | 8 | $1.2M | 2.3% |
Why Choose SNB Bank, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 352 SBA loans approved, totaling $225.4M in financing
- ✓Industry Expertise: Specialized focus on Insurance Agencies and Brokerages, Full-Service Restaurants, Offices of Dentists
- ✓Competitive Terms: Average interest rate of 6.76% with flexible term lengths averaging 170 months
- ✓Loan Range: Loan sizes from $40K to $5.0M, with an average of $640K
- ✓Nationwide Reach: Active lending in 15 states, with strong presence in OK, GA, CA
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 SNB Bank, National Association SBA lending
What types of businesses does SNB Bank, National Association typically finance?
SNB Bank, National Association specializes in SBA 7(a) lending to specific industries including insurance agencies and brokerages, full-service restaurants, offices of dentists, other scientific and technical consulting services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are SNB Bank, National Association's typical SBA loan terms?
SNB Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 6.76% and average term length of 170 months (approximately 14 years). Loan sizes range from $40K to $5.0M, with an average loan size of $640K.
Do I need a business valuation for a SNB Bank, National Association SBA loan?
Yes, SNB Bank, National Association 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 SNB Bank, National Association compare to other SBA lenders?
SNB Bank, National Association has originated 352 SBA loans totaling $225.4M 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 SNB Bank, National Association lend in?
SNB Bank, National Association provides SBA 7(a) financing with particularly strong presence in OK, GA, CA, IL, TX. 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.
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Professional valuations are often required for SBA loans over $250,000.
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