SBA lender · 7(a) program
PCB Bank
PCB Bank has approved 2,513 SBA loans worth $2.26B since FY2010 - the #52 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#52
0.44% of all SBA dollars
Total approved
$2.26B
FY2010 onward
Loans
2,513
Median loan
$500,000
+178% vs national
Median rate
5.50%
-1.25 pts vs national
Charge-off rate
4.0%
1,371 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 PCB Bank’s numbers say
PCB Bank sits solidly inside the SBA lending field, having approved 2,513 loans for a gross total of $2.26B since fiscal 2010. Its median loan of $500,000 is substantially larger than the $180,000 national median, which usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 5.50%, 1.25 points below 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, 4.0% were charged off, 3.5 points below 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 14% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally.
Where PCB Bank lends
| State | Loans | Share |
|---|---|---|
| California | 1,387 | |
| Texas | 241 | |
| Washington | 222 | |
| Illinois | 135 | |
| Georgia | 97 | |
| Maryland | 81 | |
| Colorado | 54 | |
| New York | 54 |
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 PCB Bank
- How many SBA loans has PCB Bank approved?
- PCB Bank has approved 2,513 SBA loans totalling $2,255,110,200 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #52 among all SBA lenders by dollars approved.
- What is the typical PCB Bank SBA loan size?
- The median gross approval is $500,000, with the middle 80% of loans falling between $143,000 and $2,206,000. The national median across all SBA lenders is $180,000.
- What interest rate does PCB Bank charge on SBA 7(a) loans?
- The median initial note rate on PCB Bank's 7(a) approvals is 5.50%, 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 PCB Bank's SBA loan charge-off rate?
- 4.0% 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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