SBA lender · 7(a) program
South Coast Bank & Trust
South Coast Bank & Trust has approved 26 SBA loans worth $32.4M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
#908
<0.01% of all SBA dollars
Total approved
$32.4M
FY2010 onward
Loans
26
Median loan
$969,150
+438% vs national
Median rate
5.75%
-1.00 pts vs national
Charge-off rate
-
Cohort too small
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 South Coast Bank & Trust’s numbers say
South Coast Bank & Trust sits in the long tail of the SBA lending field, having approved 26 loans for a gross total of $32.4M since fiscal 2010. Its median loan of $969,150 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 5.75%, 1.00 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.
Roughly 17% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally.
Where South Coast Bank & Trust lends
| State | Loans | Share |
|---|---|---|
| Georgia | 25 | |
| South Carolina | 1 |
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 South Coast Bank & Trust
- How many SBA loans has South Coast Bank & Trust approved?
- South Coast Bank & Trust has approved 26 SBA loans totalling $32,432,900 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical South Coast Bank & Trust SBA loan size?
- The median gross approval is $969,150, with the middle 80% of loans falling between $290,000 and $2,450,000. The national median across all SBA lenders is $180,000.
- What interest rate does South Coast Bank & Trust charge on SBA 7(a) loans?
- The median initial note rate on South Coast Bank & Trust's 7(a) approvals is 5.75%, 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.
Where to go from here
We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.