Summit State Bank
Headquartered in SANTA ROSA, CA. Analysis based on 176 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $372.1M.
Total 7(a) loans
176
Total approved
$372.1M
Average loan
$2.1M
States funded in
10
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
42.11%
Average rate
7.15%
Average term
244 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 49 |
| 811192 | Car Washes | 10 |
| 722513 | Limited-Service Restaurants | 9 |
| 722511 | Full-Service Restaurants | 8 |
| 447110 | Gasoline Stations with Convenience Stores | 8 |
| 713940 | Fitness and Recreational Sports Centers | 6 |
| 623312 | Homes for the Elderly | 5 |
| 811111 | General Automotive Repair | 5 |
| 611620 | Sports and Recreation Instruction | 3 |
| 524210 | Insurance Agencies and Brokerages | 3 |
Top 10 states
| State | Loans |
|---|---|
| CA | 125 |
| AZ | 19 |
| WA | 18 |
| TX | 6 |
| CO | 2 |
| NV | 2 |
| UT | 1 |
| VA | 1 |
| SC | 1 |
| LA | 1 |
Top franchise brands financed
57 franchise loans across 32 distinct brands.
| Franchise | Loans |
|---|---|
| Motel 6 | 15 |
| Super 8 by Wyndhan | 3 |
| Best Western - Membership Agre | 3 |
| Chevron - Retail Supply Contra | 2 |
| AM/PM Mini-Mart Agreement - AR | 2 |
| Fairfield by Marriott/Fairfiel | 2 |
| Arco (BP) Contract Dealer Gaso | 2 |
| SureStay | 2 |
| Cheeky Monkeys | 2 |
| El Pollo Loco | 2 |
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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.