Datasets:

tensorust
/

sba-lender-chargeoff-scorecard-sample

program stringclasses 1 value	lender stringlengths 11 48	lender_state stringlengths 2 2	fdic_cert float64 588 58.7k ⌀	ncua_number float64	loans int64 5.52k 73.4k	gross_approved float64 875M 22.2B	sba_guaranteed_approved float64 531M 16.6B	chargeoff_loans int64 2 3.92k	chargeoff_amount float64 437k 349M	chargeoff_rate_loans float64 0 0.18	chargeoff_rate_dollars float64 0 0.08	seasoned_loans_fy2010_2019 int64 0 39.7k	seasoned_chargeoff_rate_loans float64 0.03 0.22 ⌀	loans_fy2022_on int64 413 31.8k	chargeoff_rate_loans_fy2022_on float64 0 0.07	active_loans int64 682 33k	active_gross_approved float64 281M 12.8B	active_sba_guaranteed_approved float64 181M 9.56B	sold_secondary_market_loans int64 0 12.2k	first_fy int64 2.01k 2.02k	last_fy int64 2.02k 2.03k	program_chargeoff_rate float64 0.05 0.05	vs_program_rate float64 0 3.41	rank_by_seasoned_rate_in_program float64 0.26 0.99 ⌀	ontology_oid stringlengths 15 52 ⌀	fdic_bankfind stringlengths 63 65 ⌀	source stringclasses 1 value
7(a)	The Huntington National Bank	OH	6,560	null	73,354	17,880,385,800	12,883,811,352.265	3,018	340,539,168.21	0.0411	0.019	33,903	0.0625	31,771	0.0174	32,953	9,536,108,900	6,957,207,616.5	10,429	2,010	2,026	0.0515	0.8	0.638	org:HUNTINGTON NATIONAL BANK	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/6560	https://data.sba.gov/dataset/7a-504-foia
7(a)	Wells Fargo Bank National Association	SD	3,511	null	51,031	16,338,445,700	12,259,885,862.52	3,922	348,596,177.56	0.0769	0.0213	39,715	0.0799	7,970	0.061	13,010	6,591,479,000	4,982,187,472.48	1	2,010	2,026	0.0515	1.49	0.78	org:WELLS FARGO BANK NATIONAL ASSOCIATION	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/3511	https://data.sba.gov/dataset/7a-504-foia
7(a)	JPMorgan Chase Bank, National Association	OH	628	null	40,564	7,897,868,700	4,940,134,681	2,678	203,332,543.53	0.066	0.0257	32,104	0.0748	7,270	0.029	7,247	2,488,846,200	1,605,935,345	0	2,010	2,026	0.0515	1.28	0.737	org:JPMORGAN CHASE BANK NATIONAL ASSOCIATION	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/628	https://data.sba.gov/dataset/7a-504-foia
7(a)	U.S. Bank, National Association	OH	6,548	null	36,210	7,820,608,200	5,701,107,235.95	1,847	102,686,717.42	0.051	0.0131	20,227	0.0645	12,132	0.0279	11,839	4,417,221,000	3,283,432,118.01	139	2,010	2,026	0.0515	0.99	0.649	org:U S BANK NATIONAL ASSOCIATION #TZRZBV5JZAQ2	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/6548	https://data.sba.gov/dataset/7a-504-foia
7(a)	TD Bank, National Association	DE	18,409	null	29,285	4,266,934,100	2,819,057,448.6	3,246	162,222,048.32	0.1108	0.038	13,822	0.1481	13,051	0.0654	13,602	2,255,760,900	1,473,565,433.6	116	2,010	2,026	0.0515	2.15	0.955	org:TD BANK NATIONAL ASSOCIATION	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/18409	https://data.sba.gov/dataset/7a-504-foia
7(a)	Manufacturers and Traders Trust Company	NY	588	null	24,583	3,277,095,800	2,146,332,137.6	1,727	119,733,613.41	0.0703	0.0365	12,851	0.079	9,582	0.0529	9,462	1,302,232,500	844,934,831	480	2,010	2,026	0.0515	1.37	0.778	org:MANUFACTURERS AND TRADERS TRUST	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/588	https://data.sba.gov/dataset/7a-504-foia
7(a)	Live Oak Banking Company	NC	58,665	null	17,121	22,179,279,600	16,611,390,356.77	256	166,743,773.91	0.015	0.0075	6,656	0.0284	8,023	0.0045	9,554	12,847,099,800	9,564,235,457.47	11,145	2,010	2,026	0.0515	0.29	0.264	org:LIVE OAK BANKING	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/58665	https://data.sba.gov/dataset/7a-504-foia
7(a)	PNC Bank, National Association	DE	6,384	null	16,886	4,284,643,800	3,089,355,874.5	1,314	68,720,480.91	0.0778	0.016	13,801	0.0827	2,126	0.056	2,959	1,543,964,500	1,147,262,113.8	1	2,010	2,026	0.0515	1.51	0.792	org:PNC BANK NATIONAL ASSOCIATION	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/6384	https://data.sba.gov/dataset/7a-504-foia
7(a)	BayFirst National Bank	FL	34,997	null	12,548	2,611,704,400	2,090,232,797.9	1,254	211,668,734.95	0.0999	0.081	3,889	0.2211	7,831	0.041	8,854	1,608,862,200	1,307,875,021.7	12,237	2,014	2,026	0.0515	1.94	0.993	org:BAYFIRST NATIONAL BANK	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/34997	https://data.sba.gov/dataset/7a-504-foia
7(a)	Celtic Bank Corporation	UT	57,056	null	12,395	6,311,910,900	4,903,038,705.16	1,389	160,826,840.77	0.1121	0.0255	6,916	0.189	4,579	0.0111	5,726	3,055,877,600	2,360,861,009.22	11,799	2,010	2,026	0.0515	2.18	0.977	org:CELTIC BANK	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/57056	https://data.sba.gov/dataset/7a-504-foia
7(a)	KeyBank National Association	OH	17,534	null	11,323	4,038,268,600	2,914,635,957.36	464	72,038,351.5	0.041	0.0178	6,664	0.0473	3,374	0.0282	4,374	1,722,511,300	1,237,222,714	3,873	2,010	2,026	0.0515	0.8	0.477	org:KEYBANK NATIONAL ASSOCIATION	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/17534	https://data.sba.gov/dataset/7a-504-foia
7(a)	Readycap Lending, LLC	NJ	null	null	10,269	4,981,591,500	3,836,567,130.17	179	43,080,578.37	0.0174	0.0086	975	0.0646	8,682	0.0127	8,453	3,525,623,600	2,688,197,126.52	9,989	2,010	2,026	0.0515	0.34	0.652	org:READYCAP LENDING	null	https://data.sba.gov/dataset/7a-504-foia
7(a)	Columbia Bank	OR	17,266	null	9,904	4,349,344,300	3,320,011,152.91	612	98,107,597.94	0.0618	0.0226	6,336	0.0843	2,654	0.0177	3,063	1,163,207,100	870,045,906.92	5,111	2,010	2,026	0.0515	1.2	0.797	org:COLUMBIA BANK	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/17266	https://data.sba.gov/dataset/7a-504-foia
7(a)	Zions Bancorporation, National Association	UT	2,270	null	9,896	2,447,627,100	1,821,592,447.15	445	47,280,104.3	0.045	0.0193	6,180	0.062	3,166	0.013	3,544	1,192,576,500	900,582,132.15	62	2,010	2,026	0.0515	0.87	0.636	null	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/2270	https://data.sba.gov/dataset/7a-504-foia
7(a)	Northeast Bank	ME	19,690	null	9,501	1,650,811,900	1,317,121,830.7	375	30,297,124.18	0.0395	0.0184	2,597	0.1271	6,857	0.0064	7,840	1,199,137,900	962,813,835	8,318	2,010	2,026	0.0515	0.77	0.929	org:NORTHEAST BANK	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/19690	https://data.sba.gov/dataset/7a-504-foia
7(a)	Newtek Bank, National Association	FL	18,734	null	9,222	3,405,235,800	2,517,825,980	2	437,404.2	0.0002	0.0001	0	null	9,222	0.0002	8,521	3,074,825,700	2,268,004,075	4,969	2,023	2,026	0.0515	0	null	org:NEWTEK BANK NATIONAL ASSOCIATION	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/18734	https://data.sba.gov/dataset/7a-504-foia
7(a)	Eastern Bank	MA	32,773	null	8,872	875,484,700	530,534,038	554	28,818,929.73	0.0624	0.0329	6,599	0.0715	1,566	0.0402	1,561	281,229,700	180,601,763	53	2,010	2,026	0.0515	1.21	0.7	org:EASTERN BANK	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/32773	https://data.sba.gov/dataset/7a-504-foia
7(a)	Truist Bank	NC	9,846	null	7,803	3,771,925,700	2,815,763,439.12	338	83,194,830.02	0.0433	0.0221	6,972	0.0479	413	0.0024	1,065	1,044,396,800	791,820,339.4	258	2,010	2,026	0.0515	0.84	0.486	org:TRUIST BANK	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/9846	https://data.sba.gov/dataset/7a-504-foia
7(a)	Bank of Hope	CA	26,610	null	7,370	4,960,474,000	3,738,957,830.06	407	64,038,077.6	0.0552	0.0129	5,435	0.0677	1,443	0.0139	1,723	1,680,968,800	1,246,113,125.9	4,720	2,010	2,026	0.0515	1.07	0.669	org:BANK OF HOPE	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/26610	https://data.sba.gov/dataset/7a-504-foia
7(a)	Fifth Third Bank	OH	6,672	null	6,953	3,275,400,900	2,331,025,266.68	318	43,697,524.2	0.0457	0.0133	4,282	0.0579	2,022	0.0203	2,475	1,627,720,000	1,156,678,559	237	2,010	2,026	0.0515	0.89	0.583	org:FIFTH THIRD BANK	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/6672	https://data.sba.gov/dataset/7a-504-foia
7(a)	United Midwest Savings Bank National Association	OH	32,441	null	6,862	2,454,688,800	1,934,430,867	605	80,116,174.7	0.0882	0.0326	1,753	0.1865	3,466	0.0182	4,570	1,516,777,200	1,194,256,307.5	6,694	2,010	2,026	0.0515	1.71	0.976	org:UNITED MIDWEST SAVINGS BANK NATIONAL ASSOCIATION	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/32441	https://data.sba.gov/dataset/7a-504-foia
7(a)	Bank of America, National Association	NC	3,510	null	5,892	2,853,644,400	1,991,080,731.34	84	13,582,742	0.0143	0.0048	2,093	0.0315	3,341	0.0051	3,345	2,024,443,300	1,432,488,614.84	0	2,010	2,026	0.0515	0.28	0.298	org:BANK OF AMERICA NATIONAL ASSOCIATION	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/3510	https://data.sba.gov/dataset/7a-504-foia
7(a)	VelocitySBA, LLC	TX	null	null	5,866	1,041,987,800	807,343,094.8	1,030	12,358,057.34	0.1756	0.0119	5,008	0.2047	680	0	682	694,500,700	529,938,590	5,722	2,010	2,026	0.0515	3.41	0.986	org:VELOCITYSBA	null	https://data.sba.gov/dataset/7a-504-foia
7(a)	Newtek Small Business Finance, LLC	NY	null	null	5,644	4,364,916,300	3,373,855,056.5	298	112,811,483.69	0.0528	0.0258	2,874	0.0894	1,660	0.0114	2,608	1,997,811,800	1,541,522,033	5,557	2,010	2,023	0.0515	1.03	0.826	org:NEWTEK SMALL BUSINESS FINANCE	null	https://data.sba.gov/dataset/7a-504-foia
7(a)	Santander Bank, National Association	DE	29,950	null	5,517	1,207,688,100	800,962,909.2	270	26,937,737.38	0.0489	0.0223	3,800	0.0632	1,285	0.0171	1,649	538,695,400	361,383,334.2	28	2,010	2,026	0.0515	0.95	0.642	org:SANTANDER BANK NATIONAL ASSOCIATION	https://banks.data.fdic.gov/bankfind-suite/bankfind/details/29950	https://data.sba.gov/dataset/7a-504-foia

SBA Lender Charge-Off Scorecard: free sample (Tensorust LLC)

Charge-offs, charge-off rates and active SBA exposure for every 7(a) lender and 504 CDC since FY2010.

Headline: 3,039 7(a) lenders and 192 504 CDCs made 926,144 funded SBA loans since FY2010 ($445.00B); 43,691 were charged off for $6.99B.

This repository is a free teaser, not the dataset. It holds 25 example rows and a summary table with no names in it. The full file has 3,231 rows and is sold by Tensorust LLC: https://tensorust.com/datasets/sba-lender-chargeoff-scorecard/.

Files here

file	what it is
`sample.csv`	25 rows of the full file (the same sample shown on tensorust.com)
`summary_by_lender_state.csv`	row counts and totals by lender state across the full file, no entity names (groups with fewer than 3 rows are folded into "Other")

Summary by lender state (largest groups)

Lender state	rows	Charge-offs (USD)
TX	212	295,521,349
MN	195	186,248,952
IL	171	367,813,078
CA	162	513,526,766
WI	141	140,298,275
MO	131	194,854,216
IA	131	45,592,821
OK	109	82,881,230
MI	109	48,211,052
KS	108	28,704,831
MA	102	113,093,923
OH	98	877,605,875
TOTAL	3,231	6,985,388,680

Full table: summary_by_lender_state.csv.

What the full file has

3,231 rows
Key fields: program, lender, lender_state, fdic_cert, ncua_number, loans, gross_approved, sba_guaranteed_approved, chargeoff_loans, chargeoff_amount
Parquet and CSV, a README with sources, method and limits, and the build script
Free 25-row sample (no personal contact data)

Coverage: Every lender and CDC with a funded 7(a) or 504 loan approved FY2010 to FY2026 under its FOIA name. SBA FOIA file as of Sep 30 2026

Columns in the full file

column	meaning
`program`	7(a) or 504
`lender`	Lender (7(a) bank or lender) or CDC (504)
`lender_state`	Lender state
`fdic_cert`	FDIC certificate number where the lender is a bank
`ncua_number`	NCUA number where a credit union
`loans`	Funded loans
`gross_approved`	Gross approved dollars
`sba_guaranteed_approved`	SBA guaranteed portion approved (7(a))
`chargeoff_loans`	Loans charged off
`chargeoff_amount`	Charge-off dollars
`chargeoff_rate_loans`	Charged-off loans divided by loans
`chargeoff_rate_dollars`	Charge-off dollars divided by approved dollars
`seasoned_loans_fy2010_2019`	Loans approved FY2010 to FY2019
`seasoned_chargeoff_rate_loans`	Charge-off rate for FY2010 to FY2019 approvals
`loans_fy2022_on`	Loans approved FY2022 on
`chargeoff_rate_loans_fy2022_on`	Charge-off rate for FY2022 on approvals
`active_loans`	Active loans (status exempt or committed)
`active_gross_approved`	Approved dollars on active loans
`active_sba_guaranteed_approved`	Approved SBA guarantee on active loans (not outstanding balance)
`sold_secondary_market_loans`	7(a) loans with the guaranteed portion sold on the secondary market
`first_fy`	First approval FY
`last_fy`	Latest approval FY
`program_chargeoff_rate`	All-lender charge-off rate in the program
`vs_program_rate`	Lender rate divided by program rate
`rank_by_seasoned_rate_in_program`	Percentile of seasoned charge-off rate in the program (lenders with 50+ seasoned loans; higher = worse)
`ontology_oid`	Tensorust ontology organization id (name match)
`fdic_bankfind`	FDIC BankFind link
`source`	SBA FOIA dataset page

Get the full file

tier	price	includes
Lender report	$750	One SBA lender or CDC with up to 10 named peers: loans, dollars, charge-offs, seasoned and recent charge-off rates, active guaranteed exposure and percentile rank. For bank boards and M&A diligence.
Full scorecard	$3,500	All 3,231 7(a) lenders and 504 CDCs since FY2010 with every count, rate, FDIC certificate and percentile. CSV and Excel.
Quarterly license	$12,000 a year	The scorecard refreshed each quarter when SBA posts the FOIA file, with lender-level loan detail for secondary-market buyers and bank M&A teams. Internal use.

Email mattbusel@tensorust.com with the tier and a billing contact, and we will send a proper invoice (ACH or card). The file is delivered once the invoice is paid. Details and the live sample: https://tensorust.com/datasets/sba-lender-chargeoff-scorecard/. All datasets: https://tensorust.com/datasets/

Method and limits

Combine the 7(a) and 504 FOIA files, drop cancelled and unfunded loans, group by lender name and program, count and sum by status and cohort, attach the most common FDIC certificate, rank lenders within program.

Not loan-level outstanding balances (the FOIA file has approvals, not balances), not adjusted for lender mergers that changed names, and no borrower data.

Sources

SBA 7(a) and 504 FOIA loan data, FY2010 to present, as of Sep 30 2026 (data.sba.gov/dataset/7a-504-foia)
FDIC BankFind (certificate links)

License

The sample and summary here are free to view, analyze and cite with attribution to "Tensorust LLC, https://tensorust.com/datasets/sba-lender-chargeoff-scorecard/". The full dataset is licensed separately per tier. No resale or redistribution of Tensorust data without a written license.

Tensorust LLC, Tuckahoe NY. mattbusel@tensorust.com | https://tensorust.com

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