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
157
2013–2026
Total Volume
$158M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
157 total segments
EverTrust Bank has a strong focus on existing businesses, with 80% of their deals serving this purpose. If you're looking to acquire or expand an established business, they may be a good fit.
With an average 7(a) spread of P+2.19%, EverTrust Bank 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.
EverTrust Bank's growth trend shows a decline of 20% year-over-year in deal volume. This may indicate a tightening of lending criteria, making it potentially harder to get approved for a loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 9 504 loans, which use fixed SBA debenture rates.
States where EverTrust Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Social Assistance
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Auto Repair & Maintenance
Other Services
Food & Beverage Stores
Retail Trade
Education
Education
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for EverTrust Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 12 | P+2.50% | $464K | Q2 2024 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 11 | P+2.50% | $686K | Q4 2025 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 9 | P+2.00% | $1.3M | Q4 2025 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.25% | $264K | Q3 2025 |
| California · Auto Repair & Maintenance · $500K – $1M | 7(a) | 5 | P+2.75% | $832K | Q3 2019 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.75% | $125K | Q2 2023 |
| California · Transportation & Warehousing · $500K – $1M | 7(a) | 4 | P+2.75% | $647K | Q1 2018 |
| California · Real Estate · $500K – $1M | 7(a) | 4 | P+2.75% | $793K | Q1 2017 |
| California · Social Assistance · Under $150K | 7(a) | 3 | P+1.50% | $106K | Q3 2019 |
| California · Specialty Trade Contractors · $1M – $2M | 7(a) | 3 | P+2.25% | $1.5M | Q2 2022 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 3 | P+2.75% | $823K | Q1 2024 |
| California · Social Assistance · $150K – $350K | 7(a) | 3 | P+2.00% | $283K | Q3 2018 |
| California · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+2.25% | $150K | Q2 2017 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+2.38% | $225K | Q1 2023 |
| California · Miscellaneous Retail · $1M – $2M | 7(a) | 2 | P+2.13% | $1.8M | Q2 2025 |
| California · Miscellaneous Retail · $350K – $500K | 7(a) | 2 | P+2.38% | $425K | Q3 2024 |
| California · Other Health Practitioners · $2M – $5M | 7(a) | 2 | P+2.13% | $2.7M | Q1 2022 |
| California · Nursing & Residential Care · $1M – $2M | 7(a) | 2 | P+2.13% | $1.1M | Q3 2023 |
| California · Social Assistance · $2M – $5M | 7(a) | 2 | P+1.63% | $2.2M | Q2 2021 |
| California · Social Assistance · $350K – $500K | 7(a) | 2 | P+2.25% | $438K | Q3 2016 |
| California · Restaurants & Food Service · $2M – $5M | 7(a) | 2 | P+1.63% | $2.6M | Q4 2022 |
| California · Auto Repair & Maintenance · $1M – $2M | 7(a) | 2 | P+2.25% | $1.6M | Q3 2021 |
| California · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 2 | P+2.50% | $277K | Q1 2023 |
| California · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.38% | $624K | Q2 2021 |
| California · Wholesale Trade · $500K – $1M | 7(a) | 2 | P+2.50% | $733K | Q2 2021 |
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