STRONG
How competitive are their spreads? Lower = better for you.
STRONG
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
2,437
2010–2026
Total Volume
$2.2B
Gross loan amounts
States Active
36
With recorded loans
Programs
7(a) & 504
2437 total segments
Most active in California (55% of deals) and focuses heavily on restaurants & food service (25% of deals).
33% of PCB Bank's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
2,437 SBA loans worth $2.2B since FY2010, with relatively steady volume year-over-year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 4 504 loans, which use fixed SBA debenture rates.
Top 15 of 36 states where PCB Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Gas Stations
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Laundry & Dry Cleaning
Other Services
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for PCB Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · Under $150K | 7(a) | 119 | P+2.25% | $126K | Q3 2025 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 98 | P+2.00% | $249K | Q3 2025 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 93 | P+2.00% | $254K | Q3 2025 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 77 | P+1.75% | $743K | Q4 2025 |
| California · Food & Beverage Stores · Under $150K | 7(a) | 61 | P+2.50% | $116K | Q3 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 50 | P+2.00% | $716K | Q3 2025 |
| California · Food & Beverage Stores · $350K – $500K | 7(a) | 44 | P+2.00% | $422K | Q2 2025 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 40 | P+1.75% | $431K | Q3 2025 |
| California · Food & Beverage Stores · $1M – $2M | 7(a) | 34 | P+1.00% | $1.4M | Q4 2025 |
| California · Wholesale Trade · Under $150K | 7(a) | 33 | P+2.25% | $136K | Q2 2025 |
| California · Gas Stations · $1M – $2M | 7(a) | 32 | P+1.50% | $1.6M | Q3 2021 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 31 | P+2.00% | $240K | Q4 2025 |
| California · Laundry & Dry Cleaning · Under $150K | 7(a) | 28 | P+2.00% | $117K | Q3 2019 |
| Washington · Gas Stations · $2M – $5M | 7(a) | 28 | P+1.25% | $3.0M | Q4 2021 |
| Washington · Gas Stations · $1M – $2M | 7(a) | 27 | P+1.25% | $1.6M | Q2 2021 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 26 | P+1.88% | $748K | Q4 2025 |
| California · Wholesale Trade · $500K – $1M | 7(a) | 26 | P+1.75% | $779K | Q4 2023 |
| California · Wholesale Trade · $2M – $5M | 7(a) | 25 | P+1.00% | $3.2M | Q3 2022 |
| California · Gas Stations · $2M – $5M | 7(a) | 25 | P+1.50% | $2.8M | Q3 2021 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 23 | P+1.00% | $1.5M | Q4 2024 |
| Illinois · Personal Care (Salons, Spas) · Under $150K | 7(a) | 20 | P+2.00% | $123K | Q4 2019 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 19 | P+1.00% | $1.4M | Q2 2025 |
| Washington · Gas Stations · $500K – $1M | 7(a) | 18 | P+1.75% | $743K | Q3 2021 |
| California · Hotels & Accommodation · $1M – $2M | 7(a) | 18 | P+1.63% | $1.6M | Q3 2024 |
| Washington · Hotels & Accommodation · $1M – $2M | 7(a) | 18 | P+1.63% | $1.4M | Q2 2023 |
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