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SBA 7(a) record
Watertown Savings Bank, Watertown, NY: SBA 7(a) loans made
Watertown Savings Bank, Watertown, NY, a savings institution based in Watertown, NY, made 8 SBA 7(a) loans in the 36 months ending September 30, 2026, $1.1M in all, net of cancelled approvals. The typical loan was about $120K, and 2 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
- 8
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $1.12M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $120K
- SBA FOIA,
- Largest loan
- $320K
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 2
- SBA FOIA,
Cite this
Source: The Lender Report, Watertown Savings Bank, Watertown, NY: SBA 7(a) loans made, https://lender.report/lender/watertown-savings-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 |
|---|---|---|---|---|---|---|---|
| Aug 2026 | New York | SBA 7(a), Full-Service Restaurants | $120K | 8.75% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Septic Tank and Related Services | $50K | 8.75% | 10 yr | SBA FOIA | |
| Aug 2024 | New York | SBA 7(a), Tire Dealers | $320K | 9.5% | 25 yr | SBA FOIA | |
| Jun 2024 | New York | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $200K | 9.75% | 25 yr | SBA FOIA | |
| May 2024 | New York | SBA 7(a), Landscaping Services | $64K | 9.5% | 5 yr | SBA FOIA | |
| Apr 2024 | New York | SBA 7(a), Bowling Centers | $90K | 9.5% | 10 yr | SBA FOIA | |
| Mar 2024 | New York | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $100K | 9.5% | 10 yr | SBA FOIA | |
| Oct 2023 | New York | SBA 7(a), Full-Service Restaurants | $180K | 9.5% | 15 yr | SBA FOIA | |
| 8 SBA 7(a) loans since October 2023, net of cancelled | $1.12M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| New York | 8 | $1.12M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 5 | $424K |
| $150K to $350K | 3 | $700K |
| $350K to $1M | 0 | $0 |
| $1M to $2.5M | 0 | $0 |
| $2.5M or more | 0 | $0 |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 1 | $180K |
| 2024 Q1 | 1 | $100K |
| 2024 Q2 | 3 | $354K |
| 2024 Q3 | 1 | $320K |
| 2026 Q3 | 2 | $170K |
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.
| Industry (NAICS) | Loans |
|---|---|
| Full-Service Restaurants (722511) | 2 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) (445110) | 2 |
| Bowling Centers (713950) | 1 |
| Landscaping Services (561730) | 1 |
| Septic Tank and Related Services (562991) | 1 |
| Tire Dealers (441340) | 1 |
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 | 5 |
| 7a General | 3 |
- Watertown Savings Bank, Watertown, NY made 8 SBA 7(a) loans totaling $1.1M in the 36 months ending September 30, 2026, net of cancelled approvals, in 1 state. SBA FOIA,
- 2 of them were in the 12 months to September 30, 2026, and 0 in the 12 months before. SBA FOIA,
- The typical loan was about $120K, with the middle half between $90K and $200K. SBA FOIA,
- The largest was about $320K. Every amount is rounded to 2 significant figures. SBA FOIA,
- 5 loans were under $150K, and 0 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 9.50% on 8 loans, with the middle half between 9.50% and 9.50%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Full-Service Restaurants, with 2. SBA FOIA,
- The SBA file lists 5 of its loans as processed under SBA Express Program. SBA FOIA,
- Its loans were most often in New York (8). SBA FOIA,
What we don't know
- Whether Watertown Savings Bank, Watertown, NY 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.