Patriot Bank, National Association
Headquartered in STAMFORD, CT. Analysis based on 85 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $93.4M.
Total 7(a) loans
85
Total approved
$93.4M
Average loan
$1.1M
States funded in
25
Charge-off rate
3.57%
FY2020–FY2023 cohort
Paid-in-full rate
21.43%
Average rate
7.06%
Average term
179 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 811192 | Car Washes | 8 |
| 524210 | Insurance Agencies and Brokerages | 8 |
| 722513 | Limited-Service Restaurants | 5 |
| 623312 | Homes for the Elderly | 5 |
| 722511 | Full-Service Restaurants | 5 |
| 445310 | Beer, Wine, and Liquor Stores | 3 |
| 541611 | Administrative Management and General Management Consulting Services | 2 |
| 484230 | Specialized Freight (except Used Goods) Trucking, Long-Distance | 2 |
| 484110 | General Freight Trucking, Local | 2 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 2 |
Top 10 states
| State | Loans |
|---|---|
| FL | 18 |
| CA | 7 |
| GA | 7 |
| TX | 6 |
| CT | 6 |
| CO | 5 |
| NY | 4 |
| NJ | 4 |
| OH | 3 |
| PA | 2 |
Top franchise brands financed
13 franchise loans across 11 distinct brands.
| Franchise | Loans |
|---|---|
| Huey Magoo's Chicken Tenders | 2 |
| Roll On In | 2 |
| Glass Doctor | 1 |
| Athletic Republic | 1 |
| Ace Hardware | 1 |
| BurgerFi | 1 |
| Beef 'O' Brady's | 1 |
| The UPS Store (f/k/a Mail Box | 1 |
| Code Ninjas | 1 |
| The Brass Tap | 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.