SBA lender · 7(a) program
Colony Bank
Colony Bank has approved 1,298 SBA loans worth $707.6M since FY2010 - the #142 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#142
0.14% of all SBA dollars
Total approved
$707.6M
FY2010 onward
Loans
1,298
Median loan
$150,000
-17% vs national
Median rate
11.00%
+4.25 pts vs national
Charge-off rate
10.3%
87 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Colony Bank’s numbers say
Colony Bank sits solidly inside the SBA lending field, having approved 1,298 loans for a gross total of $707.6M since fiscal 2010. Its median loan of $150,000 is close to the $180,000 national median.
The median initial note rate across its 7(a) approvals is 11.00%, 4.25 points above the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 10.3% were charged off, 2.8 points above the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 15% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally.
Where Colony Bank lends
| State | Loans | Share |
|---|---|---|
| Georgia | 225 | |
| Florida | 157 | |
| California | 139 | |
| Texas | 133 | |
| New York | 107 | |
| New Jersey | 42 | |
| Illinois | 38 | |
| Michigan | 33 |
What it lends against
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about Colony Bank
- How many SBA loans has Colony Bank approved?
- Colony Bank has approved 1,298 SBA loans totalling $707,557,400 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #142 among all SBA lenders by dollars approved.
- What is the typical Colony Bank SBA loan size?
- The median gross approval is $150,000, with the middle 80% of loans falling between $100,000 and $1,493,100. The national median across all SBA lenders is $180,000.
- What interest rate does Colony Bank charge on SBA 7(a) loans?
- The median initial note rate on Colony Bank's 7(a) approvals is 11.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is Colony Bank's SBA loan charge-off rate?
- 10.3% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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