Community Bank, National Association: SBA business acquisition lending record
Community Bank, National Association (home state NY) approved 27 SBA 7(a) loans to buy existing businesses since FY2018, totaling $6.8M. The median loan was $112,500. It ranks number 267 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $55,000 and $182,250. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. New York is the largest state (74% of loans). Loans appear in only 3 states, which points to a regional lender.
- Industry concentration. All Other Personal Services is 11% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 144 SBA 7(a) loans of any purpose since FY2020, totaling $28.7M. 0% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 11% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Too few of its loans are old enough to measure a charge-off rate.
Community Bank, National Association acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 5 | $736K | $101,300 | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 5 | $825K | $187,400 | |
| FY2022 | 2 | $263K | $131,250 | |
| FY2023 | 1 | $180K | $180,000 | |
| FY2024 | 4 | $448K | $118,150 | |
| FY2025 | 4 | $645K | $75,000 | |
| FY2026 | 6 | $3.7M | $92,500 |
How often do these acquisition loans fail?
Fewer than 20 Community Bank, National Association acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Seller note standby terms and third-party consents are reviewed before closing.
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States served
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | New York | 20 | 74.1% | $5.7M | |
| 2 | Pennsylvania | 5 | 18.5% | $797K | |
| 3 | Vermont | 2 | 7.4% | $347K |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | All Other Personal Services | 3 | 11.1% | $363K | |
| 2 | Drinking Places (Alcoholic Beverages) | 3 | 11.1% | $259K | |
| 3 | Fitness and Recreational Sports Centers | 3 | 11.1% | $171K | |
| 4 | Pharmacies and Drug Retailers | 3 | 11.1% | $150K | |
| 5 | Hardware Retailers | 2 | 7.4% | $3.5M | |
| 6 | Limited-Service Restaurants | 2 | 7.4% | $337K | |
| 7 | Landscaping Services | 2 | 7.4% | $195K | |
| 8 | Child Care Services | 2 | 7.4% | $105K | |
| 9 | RV (Recreational Vehicle) Parks and Campgrounds | 1 | 3.7% | $480K | |
| 10 | Plumbing, Heating, and Air-Conditioning Contractors | 1 | 3.7% | $350K |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Ace Hardware | 2 | 7.4% | $3.5M | |
| 2 | Subway | 1 | 3.7% | $187K |
Questions buyers ask
Does Community Bank, National Association make SBA acquisition loans?
Yes. Community Bank, National Association approved 27 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 267 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are Community Bank, National Association's acquisition loans?
The median was $112,500, with the middle half between $55,000 and $182,250. The national median is $645,250, so this lender's typical loan is 83% lower than the national figure.
Which states does Community Bank, National Association lend in?
New York (20), Pennsylvania (5), Vermont (2). Its loans appear in 3 states, so it is closer to a regional lender.
Which industries does Community Bank, National Association finance?
All Other Personal Services (3), Drinking Places (Alcoholic Beverages) (3), Fitness and Recreational Sports Centers (3), Pharmacies and Drug Retailers (3), Hardware Retailers (2). The top industry is 11% of its acquisition loans.
How have Community Bank, National Association's acquisition loans performed?
Fewer than 20 of this lender's loans are old enough to measure. The national benchmark is 3.5% for the FY2018 to FY2021 cohort.
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Related
- New York acquisitions
- Pennsylvania acquisitions
- Vermont acquisitions
- All Other Personal Services
- Drinking Places (Alcoholic Beverages)
- Fitness and Recreational Sports Centers
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Community Bank, National Association.