Coastal States Bank
Headquartered in Hilton Head Island, SC. Analysis based on 101 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $138.2M.
Total 7(a) loans
101
Total approved
$138.2M
Average loan
$1.4M
States funded in
23
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
37.50%
Average rate
7.23%
Average term
223 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 624410 | Child Day Care Services | 12 |
| 722513 | Limited-Service Restaurants | 6 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 5 |
| 623110 | Nursing Care Facilities | 4 |
| 812210 | Funeral Homes and Funeral Services | 4 |
| 623312 | Homes for the Elderly | 4 |
| 721110 | Hotels (except Casino Hotels) and Motels | 4 |
| 424470 | Meat and Meat Product Merchant Wholesalers | 3 |
| 623990 | Other Residential Care Facilities | 3 |
| 323111 | Commercial Gravure Printing | 3 |
Top 10 states
| State | Loans |
|---|---|
| TX | 25 |
| GA | 21 |
| WA | 7 |
| CA | 7 |
| SC | 5 |
| NJ | 4 |
| AZ | 4 |
| PA | 4 |
| FL | 3 |
| NY | 3 |
Top franchise brands financed
35 franchise loans across 23 distinct brands.
| Franchise | Loans |
|---|---|
| Kiddie Academy | 6 |
| Bee Hive Homes | 4 |
| Capriotti's Sandwich Shop | 3 |
| Crumbl | 2 |
| Scenthound | 2 |
| Launch Trampoline Park | 1 |
| Firehouse Subs | 1 |
| Rodeway Inn by Choice Hotels/R | 1 |
| Nettl | 1 |
| Econo Lodge by Choice Hotels/E | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.