GOOD
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
240
2010–2025
Total Volume
$310M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
240 total segments
Community Bank of Pickens County has a strong focus on startups, with 50% of their deals going to new businesses. This could be beneficial if you're a first-time borrower looking for support in launching your venture.
With an average 7(a) spread of P+2.31%, Community Bank of Pickens County offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Despite a solid volume of $310M in SBA loans, Community Bank of Pickens County has experienced a -21% decline in year-over-year growth. This trend may indicate a tightening of lending standards, so be prepared for a potentially rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 15 504 loans, which use fixed SBA debenture rates.
States where Community Bank of Pickens County has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Agriculture & Forestry
Agriculture & Forestry
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Manufacturing
Manufacturing
Food & Beverage Stores
Retail Trade
Real Estate
Real Estate
Physician & Dental Offices
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Community Bank of Pickens County, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Agriculture & Forestry · $500K – $1M | 7(a) | 10 | P+2.75% | $732K | Q2 2017 |
| Georgia · Agriculture & Forestry · $1M – $2M | 7(a) | 8 | P+2.75% | $1.4M | Q2 2015 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.25% | $290K | Q4 2024 |
| Georgia · Auto Repair & Maintenance · $2M – $5M | 7(a) | 6 | P+2.13% | $3.1M | Q1 2018 |
| Georgia · Auto Repair & Maintenance · $500K – $1M | 7(a) | 6 | P+2.25% | $780K | Q1 2023 |
| Georgia · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.63% | $60K | Q2 2023 |
| Georgia · Agriculture & Forestry · $150K – $350K | 7(a) | 5 | P+2.00% | $247K | Q2 2019 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 5 | P+2.00% | $752K | Q4 2024 |
| Georgia · Auto Repair & Maintenance · $1M – $2M | 7(a) | 5 | P+2.25% | $1.3M | Q3 2021 |
| Georgia · Manufacturing · $500K – $1M | 7(a) | 4 | P+2.38% | $598K | Q3 2022 |
| Georgia · Physician & Dental Offices · $500K – $1M | 7(a) | 4 | P+2.75% | $571K | Q2 2015 |
| Georgia · Food & Beverage Stores · $2M – $5M | 7(a) | 4 | P+2.13% | $3.9M | Q4 2024 |
| Georgia · Nursing & Residential Care · $2M – $5M | 7(a) | 4 | P+2.00% | $4.5M | Q1 2021 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+2.13% | $456K | Q4 2023 |
| Georgia · Manufacturing · $2M – $5M | 7(a) | 4 | P+2.13% | $3.1M | Q3 2021 |
| Georgia · Agriculture & Forestry · $350K – $500K | 7(a) | 3 | P+2.75% | $445K | Q2 2013 |
| Georgia · Real Estate · $500K – $1M | 7(a) | 3 | P+2.75% | $673K | Q4 2019 |
| Georgia · Manufacturing · Under $150K | 7(a) | 3 | P+3.25% | $137K | Q2 2022 |
| Georgia · Social Assistance · $500K – $1M | 7(a) | 3 | P+2.75% | $864K | Q2 2014 |
| Georgia · Food & Beverage Stores · $1M – $2M | 7(a) | 3 | P+1.75% | $1.5M | Q3 2025 |
| Georgia · Auto Repair & Maintenance · $150K – $350K | 7(a) | 3 | P+2.75% | $240K | Q3 2022 |
| Georgia · Administrative & Waste Services · $500K – $1M | 7(a) | 3 | P+1.50% | $774K | Q2 2021 |
| Georgia · Physician & Dental Offices · $150K – $350K | 7(a) | 3 | P+2.75% | $239K | Q1 2021 |
| Georgia · Real Estate · $1M – $2M | 7(a) | 3 | P+1.75% | $1.5M | Q3 2021 |
| Georgia · Transportation & Warehousing · $2M – $5M | 7(a) | 3 | P+2.50% | $3.0M | Q4 2021 |
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Real experiences from borrowers who closed SBA loans with Community Bank of Pickens County.
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