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SBA 7(a) record
NBT Bank, National Association: SBA 7(a) loans made
NBT Bank, National Association, a bank based in Norwich, NY, made 91 SBA 7(a) loans in the 36 months ending September 30, 2026, $32.3M in all, net of cancelled approvals. The typical loan was about $220K, and 23 were in the last 12 months. Most were in New York.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 91
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $32.3M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $220K
- SBA FOIA,
- Largest loan
- $4.3M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 23
- SBA FOIA,
Cite this
Source: The Lender Report, NBT Bank, National Association: SBA 7(a) loans made, https://lender.report/lender/nbt-bank-ny/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Vermont | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $4.3M | 6.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Vermont | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $500K | 7% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Beer, Wine, and Liquor Retailers | $460K | 7.25% | 7 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), Limited-Service Restaurants | $100K | 8.25% | 7 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $250K | 7.5% | 10 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Shoe Retailers | $470K | 7.75% | 10 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Lessors of Miniwarehouses and Self-Storage Units | $320K | 6.5% | 20 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Coffee and Tea Manufacturing | $230K | 7.25% | 6 yr | SBA FOIA | |
| Jun 2026 | Pennsylvania | SBA 7(a), Other Building Equipment Contractors | $180K | 6.75% | 20 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Site Preparation Contractors | $77K | 7.5% | 7 yr | SBA FOIA | |
| Mar 2026 | Connecticut | SBA 7(a), Roofing Contractors | $250K | 7.75% | 10 yr | SBA FOIA | |
| Mar 2026 | New York | SBA 7(a), Real Estate and Rental and Leasing | $250K | 7.75% | 7 yr | SBA FOIA | |
| Mar 2026 | Connecticut | SBA 7(a), Security Guards and Patrol Services | $100K | 8.75% | 10 yr | SBA FOIA | |
| Mar 2026 | New York | SBA 7(a), Other Foundation, Structure, and Building Exterior Contractors | $64K | 7.25% | 5 yr | SBA FOIA | |
| Feb 2026 | Maine | SBA 7(a), Other Scientific and Technical Consulting Services | $500K | 8.75% | 10 yr | SBA FOIA | |
| Feb 2026 | New York | SBA 7(a), Real Estate and Rental and Leasing | $250K | 7.75% | 10 yr | SBA FOIA | |
| Jan 2026 | New York | SBA 7(a), Interior Design Services | $100K | 6.75% | 10 yr | SBA FOIA | |
| Dec 2025 | New York | SBA 7(a), Limited-Service Restaurants | $520K | 6.75% | 20 yr | SBA FOIA | |
| Dec 2025 | New York | SBA 7(a), Breweries | $320K | 7% | 20 yr | SBA FOIA | |
| Nov 2025 | New York | SBA 7(a), Site Preparation Contractors | $3.5M | 6% | 12 yr | SBA FOIA | |
| Nov 2025 | New York | SBA 7(a), Site Preparation Contractors | $300K | 8% | 10 yr | SBA FOIA | |
| Nov 2025 | New York | SBA 7(a), All Other Amusement and Recreation Industries | $150K | 7.75% | 7 yr | SBA FOIA | |
| Nov 2025 | Massachusetts | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $54K | 6.75% | 5 yr | SBA FOIA | |
| Sep 2025 | New York | SBA 7(a), Fitness and Recreational Sports Centers | $740K | 7.25% | 10 yr | SBA FOIA | |
| Sep 2025 | New York | SBA 7(a), Breweries | $620K | 8.5% | 14 yr | SBA FOIA | |
| 91 SBA 7(a) loans since October 2023, net of cancelled | $32.3M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| New York | 68 | $22.4M |
| New Hampshire | 7 | $1.26M |
| Massachusetts | 5 | $1.10M |
| Maine | 4 | $1.18M |
| Vermont | 4 | $5.80M |
| Connecticut | 2 | $350K |
| Pennsylvania | 1 | $180K |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 29 | $2.22M |
| $150K to $350K | 37 | $8.76M |
| $350K to $1M | 23 | $13.5M |
| $1M to $2.5M | 0 | $0 |
| $2.5M or more | 2 | $7.80M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 11 | $3.41M |
| 2024 Q1 | 12 | $2.16M |
| 2024 Q2 | 14 | $4.49M |
| 2024 Q3 | 7 | $2.38M |
| 2024 Q4 | 4 | $1.25M |
| 2025 Q1 | 5 | $1.45M |
| 2025 Q2 | 8 | $1.30M |
| 2025 Q3 | 7 | $2.60M |
| 2025 Q4 | 6 | $4.84M |
| 2026 Q1 | 7 | $1.51M |
| 2026 Q2 | 5 | $1.28M |
| 2026 Q3 | 5 | $5.61M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| SBA Express Program | 34 |
| 7a General | 30 |
| Preferred Lenders Program | 27 |
- NBT Bank, National Association made 91 SBA 7(a) loans totaling $32.3M in the 36 months ending September 30, 2026, net of cancelled approvals, in 7 states. SBA FOIA,
- 23 of them were in the 12 months to September 30, 2026, and 24 in the 12 months before. SBA FOIA,
- The typical loan was about $220K, with the middle half between $100K and $400K. SBA FOIA,
- The largest was about $4.3M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 29 loans were under $150K, and 2 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 7.50% on 91 loans, with the middle half between 7.00% and 8.50%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Limited-Service Restaurants, with 5. SBA FOIA,
- The SBA file lists 34 of its loans as processed under SBA Express Program. SBA FOIA,
- Its loans were most often in New York (68), New Hampshire (7) and Massachusetts (5). SBA FOIA,
What we don't know
- Whether NBT Bank, National Association is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.