GOOD
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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
710
2010–2026
Total Volume
$436M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
710 total segments
Tri Counties Bank has a strong focus on 504 loans, making up 55% of their total SBA deals. This is significantly higher than the national average of about 18%, indicating they are well-suited for borrowers looking for real estate financing.
With an average deal size of $613,654 and a majority of their loans (79%) going to existing businesses, Tri Counties Bank is particularly well-positioned for established companies seeking to expand or refinance rather than startups or new ventures.
Tri Counties Bank is experiencing significant growth, with a 41% year-over-year increase in deals. This upward trend suggests they are actively lending and may be more willing to consider new applications, making it a good time to approach them for financing.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 392 504 loans, which use fixed SBA debenture rates.
States where TRI COUNTIES BANK has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Real Estate
Real Estate
Wholesale Trade
Wholesale Trade
Hotels & Accommodation
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for TRI COUNTIES BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Transportation & Warehousing · Under $150K | 7(a) | 73 | P+3.00% | $63K | Q2 2018 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 23 | P+2.75% | $68K | Q4 2020 |
| California · Manufacturing · Under $150K | 7(a) | 17 | P+3.50% | $67K | Q2 2020 |
| California · Hotels & Accommodation · $2M – $5M | 504 | 15 | — | $3.4M | Q1 2025 |
| California · Restaurants & Food Service · $500K – $1M | 504 | 12 | — | $731K | Q3 2023 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 12 | P+2.50% | $73K | Q3 2018 |
| California · Physician & Dental Offices · $500K – $1M | 504 | 10 | — | $812K | Q3 2022 |
| California · Auto Repair & Maintenance · $150K – $350K | 504 | 10 | — | $233K | Q4 2023 |
| California · Auto Repair & Maintenance · $500K – $1M | 504 | 10 | — | $705K | Q3 2025 |
| California · Specialty Trade Contractors · $150K – $350K | 504 | 9 | — | $263K | Q2 2023 |
| California · Real Estate · $1M – $2M | 504 | 8 | — | $1.4M | Q4 2024 |
| California · Real Estate · $500K – $1M | 504 | 8 | — | $718K | Q4 2024 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+2.50% | $420K | Q2 2023 |
| California · Administrative & Waste Services · $150K – $350K | 504 | 7 | — | $272K | Q2 2025 |
| California · Physician & Dental Offices · $1M – $2M | 504 | 7 | — | $1.5M | Q3 2024 |
| California · Auto Repair & Maintenance · $1M – $2M | 504 | 7 | — | $1.3M | Q3 2022 |
| California · Specialty Trade Contractors · $500K – $1M | 504 | 6 | — | $753K | Q3 2024 |
| California · Manufacturing · $150K – $350K | 7(a) | 6 | P+2.38% | $246K | Q2 2017 |
| California · Specialty Trade Contractors · Under $150K | 504 | 6 | — | $118K | Q1 2024 |
| California · Real Estate · $150K – $350K | 504 | 6 | — | $256K | Q2 2022 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 6 | P+2.75% | $211K | Q3 2020 |
| California · Miscellaneous Retail · $1M – $2M | 504 | 6 | — | $1.4M | Q1 2025 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 6 | P+2.50% | $90K | Q4 2020 |
| California · Wholesale Trade · $500K – $1M | 504 | 6 | — | $766K | Q1 2016 |
| California · Manufacturing · $1M – $2M | 7(a) | 6 | P+2.25% | $1.2M | Q3 2021 |
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Real experiences from borrowers who closed SBA loans with TRI COUNTIES BANK.
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