STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
389
2010–2025
Total Volume
$198M
Gross loan amounts
States Active
11
With recorded loans
Programs
7(a) & 504
389 total segments
CNB Bank has a strong focus on existing businesses, with 59% of their deals going to this category. This could be beneficial if you're looking to buy or expand an established business.
With an average 7(a) spread of P+2.13%, CNB Bank offers competitive pricing compared to the national median of P+2.75%. This can save you money on interest over the life of your loan.
Despite a significant volume of deals, CNB Bank's growth trend shows a decline of 31% year-over-year. This may indicate a tightening in their lending practices, making it potentially harder to secure a loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 78 504 loans, which use fixed SBA debenture rates.
States where CNB Bank has recorded SBA lending activity.
+ 6 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Transportation & Warehousing
Transportation & Warehousing
Other Health Practitioners
Health Care & Social Assistance
Physician & Dental Offices
Health Care & Social Assistance
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for CNB Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+1.56% | $80K | Q3 2024 |
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+1.50% | $91K | Q1 2024 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 6 | P+2.37% | $263K | Q4 2015 |
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.13% | $64K | Q3 2016 |
| Ohio · Manufacturing · Under $150K | 7(a) | 6 | P+2.50% | $99K | Q2 2019 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 6 | P+2.75% | $247K | Q3 2021 |
| Pennsylvania · Wholesale Trade · Under $150K | 7(a) | 5 | P+2.25% | $78K | Q3 2015 |
| Pennsylvania · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.45% | $84K | Q4 2023 |
| Ohio · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+3.00% | $90K | Q4 2018 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+1.50% | $79K | Q2 2019 |
| Pennsylvania · Agriculture & Forestry · $150K – $350K | 7(a) | 4 | P+3.62% | $263K | Q4 2012 |
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+1.75% | $227K | Q3 2024 |
| Ohio · Manufacturing · $500K – $1M | 7(a) | 4 | P+2.13% | $742K | Q1 2019 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.00% | $76K | Q4 2024 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+1.88% | $64K | Q1 2023 |
| Pennsylvania · General Merchandise · Under $150K | 7(a) | 4 | P+2.63% | $96K | Q2 2016 |
| Ohio · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+2.50% | $426K | Q4 2021 |
| New York · Social Assistance · Under $150K | 7(a) | 4 | P+1.50% | $71K | Q1 2020 |
| New York · Manufacturing · Under $150K | 7(a) | 4 | P+1.57% | $75K | Q1 2018 |
| New York · Real Estate · Under $150K | 7(a) | 3 | P+2.00% | $93K | Q4 2017 |
| Pennsylvania · Manufacturing · $1M – $2M | 504 | 3 | — | $1.6M | Q1 2021 |
| Pennsylvania · Retail Trade · Under $150K | 7(a) | 3 | P+2.25% | $82K | Q2 2016 |
| New York · Manufacturing · $150K – $350K | 7(a) | 3 | P+1.00% | $250K | Q2 2022 |
| Pennsylvania · Transportation & Warehousing · $150K – $350K | 7(a) | 3 | P+1.50% | $233K | Q4 2020 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+0.75% | $103K | Q2 2017 |
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Real experiences from borrowers who closed SBA loans with CNB Bank.
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