The Bancorp Bank National Association
Headquartered in Sioux Falls, SD. Analysis based on 854 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $743.6M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
The Bancorp Bank National Association ranks #19 by charge-off rate (0.64%).
Total 7(a) loans
854
Total approved
$743.6M
Average loan
$871K
States funded in
45
Charge-off rate
0.64%
FY2020–FY2023 cohort
Paid-in-full rate
28.55%
Average rate
7.29%
Average term
167 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 69 |
| 624410 | Child Day Care Services | 39 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 35 |
| 713940 | Fitness and Recreational Sports Centers | 34 |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 30 |
| 812210 | Funeral Homes and Funeral Services | 28 |
| 561730 | Landscaping Services | 26 |
| 722511 | Full-Service Restaurants | 22 |
| 531190 | Lessors of Other Real Estate Property | 20 |
| 561431 | Private Mail Centers | 19 |
Top 10 states
| State | Loans |
|---|---|
| TX | 120 |
| FL | 100 |
| CA | 70 |
| NC | 59 |
| CO | 55 |
| AZ | 49 |
| GA | 37 |
| NJ | 31 |
| PA | 26 |
| NY | 25 |
Top franchise brands financed
345 franchise loans across 165 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 16 |
| Marco's Pizza | 13 |
| Lawn Doctor | 13 |
| Tropical Smoothie Cafe | 12 |
| Grease Monkey | 10 |
| Celebree School | 9 |
| Charleys Philly Steaks | 9 |
| Domino's | 8 |
| Smoothie King | 8 |
| Kiddie Academy | 7 |
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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.