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.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
110
2010–2026
Total Volume
$128M
Gross loan amounts
States Active
26
With recorded loans
Programs
7(a) & 504
110 total segments
North Valley Bank has a balanced approach with 18% of its SBA deals in 504 loans, which is on par with the national average. This indicates they cater to both real estate and business acquisition needs effectively.
With an average 7(a) spread of P+1.76%, North Valley Bank offers competitive pricing compared to the national median of ~P+2.75%. This could save borrowers on interest costs over the life of their loans.
The lender's deal size breakdown shows a strong focus on larger loans, with 30 deals in the $1M-$2M range. If you're seeking a loan in this size category, North Valley Bank could be a suitable option.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 20 504 loans, which use fixed SBA debenture rates.
Top 15 of 26 states where North Valley Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Other Services
Other Services
Other Professional Services
Professional Services
Restaurants & Food Service
Accommodation & Food Services
Real Estate
Real Estate
Heavy & Civil Engineering
Construction
Auto Repair & Maintenance
Other Services
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for North Valley Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Other Services · $1M – $2M | 7(a) | 4 | P+1.63% | $1.6M | Q2 2023 |
| Missouri · Other Services · $1M – $2M | 7(a) | 3 | P+1.50% | $1.3M | Q1 2022 |
| Ohio · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+1.75% | $660K | Q2 2025 |
| Michigan · Other Services · $2M – $5M | 7(a) | 2 | P+1.38% | $2.4M | Q2 2021 |
| Kentucky · Other Services · $1M – $2M | 7(a) | 2 | P+1.75% | $1.2M | Q2 2022 |
| Ohio · Other Professional Services · $1M – $2M | 7(a) | 2 | P+1.00% | $1.3M | Q3 2018 |
| Ohio · Other Professional Services · $500K – $1M | 7(a) | 2 | P+2.25% | $805K | Q4 2017 |
| Ohio · Real Estate · $2M – $5M | 7(a) | 2 | P+1.00% | $3.1M | Q4 2022 |
| West Virginia · Other Professional Services · $150K – $350K | 7(a) | 2 | P+1.50% | $250K | Q4 2018 |
| New York · Other Services · $2M – $5M | 7(a) | 2 | P+2.00% | $2.1M | Q3 2025 |
| New York · Other Services · $500K – $1M | 7(a) | 2 | P+1.75% | $612K | Q4 2018 |
| Kansas · Other Services · $500K – $1M | 7(a) | 2 | P+1.88% | $647K | Q4 2020 |
| Ohio · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.25% | $404K | Q3 2025 |
| Ohio · Restaurants & Food Service · $1M – $2M | 504 | 2 | — | $1.2M | Q3 2014 |
| Ohio · Heavy & Civil Engineering · $1M – $2M | 7(a) | 2 | P+2.88% | $1.3M | Q3 2025 |
| Arkansas · Other Services · $2M – $5M | 7(a) | 2 | P+1.25% | $2.5M | Q3 2020 |
| Maine · Other Services · $1M – $2M | 7(a) | 1 | P+2.00% | $1.4M | Q3 2016 |
| Michigan · Other Services · $1M – $2M | 7(a) | 1 | P+1.50% | $1.5M | Q2 2018 |
| Michigan · Other Services · $350K – $500K | 7(a) | 1 | P+0.75% | $381K | Q4 2017 |
| Missouri · Other Services · $500K – $1M | 7(a) | 1 | P+2.25% | $707K | Q1 2018 |
| North Carolina · Other Services · $350K – $500K | 7(a) | 1 | P+1.50% | $403K | Q1 2017 |
| Nebraska · Physician & Dental Offices · $1M – $2M | 7(a) | 1 | P+1.50% | $1.1M | Q4 2017 |
| New Hampshire · Other Services · $1M – $2M | 7(a) | 1 | P+2.00% | $1.6M | Q2 2016 |
| New Jersey · Other Services · $2M – $5M | 7(a) | 1 | P+2.25% | $3.9M | Q2 2024 |
| Ohio · Heavy & Civil Engineering · $150K – $350K | 7(a) | 1 | P+2.75% | $325K | Q1 2025 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with North Valley Bank.
No reviews yet. Be the first to review North Valley Bank.