North State Bank: SBA Lending Activity & Industry Focus

Top lender in North CarolinaFull-Service Restaurants specialistMulti-state (19 states)Active lender

Based on historical SBA 7(a) lending data.

Total Approvals

by North State Bank

Total Volume

$61,521,900

approved amount

Median Loan Size

$567,850

per approval

Recent Activity

last 90 days through Dec 2025

North State Bank is a regional lender primarily serving North Carolina, Florida, Georgia with notable activity in Full-Service Restaurants. With 72 SBA 7(a) approvals and a typical loan size of $567,850, their lending data provides a detailed picture of where and how they deploy SBA capital.

What you should know

Key insights derived from North State Bank's SBA 7(a) lending history

Regional focus: North Carolina, Florida, Georgia

North State Bank concentrates their SBA lending in 19 states, with 49% of activity in North Carolina (26%), Florida (13%), Georgia (10%). Regional lenders often have strong local relationships and may offer more competitive terms in their core markets.

Typical loan: $536,500

North State Bank's median SBA loan is $536,500, with the middle 50% between $304,000 and $1,190,000. They handle a range of loan sizes without strong concentration in any single band.

Smaller SBA program

North State Bank has 72 SBA 7(a) approvals. Their smaller volume may mean longer processing times, but could also mean more personalized attention for borrowers.

Diversified: 23 industries served

North State Bank lends across 23 different industry sectors with no single industry dominating. This broad experience means they can likely evaluate most business types, though they may not have deep expertise in any specific niche.

Steady lending pace

North State Bank's SBA activity has been relatively stable, with 9 approvals in the last 6 months. Consistent volume suggests a reliable, ongoing SBA program without major disruptions.

Lending trends for North State Bank

↑ 0%loan volume YoY

↑ 3%dollar volume YoY

Total loaned ($)

Median loan size

Loan size distribution

Based on 76 SBA 7(a) approvals

Under $50K0 (0%)

$50K–$150K3 (4%)

$150K–$350K27 (36%)

$350K–$1M23 (30%)

$1M–$5M23 (30%)

Over $5M0 (0%)

Summary

Median (50th percentile)

$536,500

25th percentile

$304,000

75th percentile

$1,190,000

Average

$838,593

Typical range

$304,000

$1,190,000

States served

NC19 FL9 TX7 GA7 CA5 CO4 TN3 NY3 SC3 UT2 MI2 AZ1 LA1 MD1 MO1 WA1 WI1 NJ1 AL1

Less active

More active

State-by-state lending activity

#	State	Approvals	Median Size
1	North Carolina	19	$599,200
2	Florida	9	$274,000
3	Texas	7	$602,000
4	Georgia	7	$1,550,350
5	California	5	$319,150
6	Colorado	4	$962,000
7	Tennessee	3	$353,700
8	New York	3	$221,500
9	South Carolina	3	$2,345,000
10	Utah	2	$808,000
11	Michigan	2	$1,520,000
12	Arizona	1	$324,000
13	Louisiana	1	$602,500
14	Maryland	1	$1,100,000
15	Missouri	1	$488,000
16	Washington	1	$1,254,200
17	Wisconsin	1	$1,100,000
18	New Jersey	1	$259,000
19	Alabama	1	$1,267,000

North State Bank by industry

Snack and Nonalcoholic Beverage Bars22 approvals Offices of Physical, Occupational and Speech Therapists, and Audiologi7 approvals Solid Waste Collection6 approvals Pet Care (except Veterinary) Services4 approvals Tile and Terrazzo Contractors4 approvals Fitness and Recreational Sports Centers3 approvals Child Day Care Services3 approvals Tax Preparation Services2 approvals Offices of Real Estate Agents and Brokers2 approvals General Freight Trucking, Local2 approvals

Industry focus

#	Industry	NAICS	Approvals
1	Snack and Nonalcoholic Beverage Bars	722	22
2	Offices of Physical, Occupational and Speech Therapists, and Audiologi	621	7
3	Solid Waste Collection	562	6
4	Pet Care (except Veterinary) Services	812	4
5	Tile and Terrazzo Contractors	238	4
6	Fitness and Recreational Sports Centers	713	3
7	Child Day Care Services	624	3
8	Tax Preparation Services	541	2
9	Offices of Real Estate Agents and Brokers	531	2
10	General Freight Trucking, Local	484	2

Recent SBA 7(a) approvals by North State Bank

Month	Borrower	Location	Industry	Amount
2025-12	SO *****LLC	RANCHO CUCAMONGA, CA	—	$340,000
2025-11	Joh*****LC.	PELHAM, AL	Coin-Operated Laundries and Drycleaners	$1,267,000
2025-11	Wou*****LLC	EAGLE MOUNTAIN, UT	General Freight Trucking, Local	$808,000
2025-05	EBE*****LLC	LITHIA, FL	Child Day Care Services	$483,000
2025-03	J3D*****LLC	CAPE CORAL, FL	Limited-Service Restaurants	$788,000
2024-12	ISH*****LLC	APEX, NC	Child Day Care Services	$302,000
2024-12	RPS***** PC	WILMINGTON, NC	Tax Preparation Services	$300,000
2024-11	KGS*****LLC	CEDAR PARK, TX	Full-Service Restaurants	$469,000
2024-11	AgB*****ted	SAN ANTONIO, TX	Other Building Finishing Contractors	$300,200
2024-08	D'C*****LLC	FRISCO, TX	Solid Waste Collection	$176,300
2024-08	Ink*****LLC	SALT LAKE CITY, UT	Solid Waste Collection	$720,000
2024-08	Foo****LLC	CHARLOTTE, NC	Drinking Places (Alcoholic Beverages)	$743,000
2024-07	Sta*****LLC	JACKSONVILLE, FL	Machine Shops	$322,000
2024-07	Ha***e's	ROCKY MOUNT, NC	Limited-Service Restaurants	$4,500,000
2024-06	Sar*****LLC	SARASOTA, FL	Other Activities Related to Real Estate	$1,355,000
2024-05	SIL*****NC.	HUDSON, FL	Travel Agencies	$274,000
2024-05	Lit*****LLC	ORLANDO, FL	Offices of Physical, Occupational and Speech Therapists, and Audiologi	$1,294,000
2024-02	MDM*****LLC	BATTLE CREEK, MI	Snack and Nonalcoholic Beverage Bars	$1,412,000
2024-01	Dir*****LLC	BONITA SPRINGS, FL	Other Personal Care Services	$1,312,000
2024-01	DMX*****LLC	YAKIMA, WA	Full-Service Restaurants	$1,254,200
2023-12	Sho*****LLC	WAKE FOREST, NC	Sign Manufacturing	$1,162,000
2023-10	Dar*****LLC	SANTA MONICA, CA	—	$298,300
2023-08	KGS*****LLC	AUSTIN, TX	Full-Service Restaurants	$1,200,100
2023-08	Ber*****LLC	Nashville, TN	Offices of Chiropractors	$332,400
2023-07	KBT*****Inc	RALEIGH, NC	Janitorial Services	$1,119,500
2023-02	Mon*****LLC	Raleigh, NC	Limited-Service Restaurants	$599,200
2022-08	Ing*****Inc	ENGLEWOOD, FL	Homes for the Elderly	$978,500
2022-07	Har*****LLC	EASLEY, SC	Remediation Services	$2,345,000
2022-05	Lan*****LLC	Dawsonville, GA	Remediation Services	$2,373,000
2022-04	Ser*****mar	PEMBROKE PINES, FL	Remediation Services	$313,000
2022-02	Swe*****tal	CAROLINA BEACH, NC	Offices of Dentists	$1,275,000
2022-02	Mic*****LLC	ATLANTA, GA	Florists	$413,000
2022-02	Flo*****tta	ROSWELL, GA	—	$446,000
2022-01	ERI*****SON	RIDGECREST, CA	General Freight Trucking, Local	$225,000
2021-08	The*****LLC	CARY, NC	Insurance Agencies and Brokerages	$1,930,000
2021-08	Piz*****ory	SHASTA LAKE, CA	Limited-Service Restaurants	$252,000
2021-08	Bab*****LLC	GOLDEN, CO	Beauty Salons	$837,400
2021-08	BUR*****.C.	MAMARONECK, NY	Offices of Mental Health Practitioners (except Physicians)	$145,000
2021-08	B S*****LLC	NEWTON, NC	Offices of All Other Miscellaneous Health Practitioners	$256,000
2021-08	Cau*****Inc	WHEAT RIDGE, CO	All Other Professional, Scientific, and Technical Services	$1,369,000
2021-07	Val*****der	Westwood, NJ	Automotive Body, Paint, and Interior Repair and Maintenance	$259,000
2021-06	BAS*****ngs	Garner, NC	Commercial and Institutional Building Construction	$273,000
2021-06	Goo*****lty	DENVER, CO	Offices of Real Estate Agents and Brokers	$962,000
2021-06	Hi***nch	NASHVILLE, TN	Offices of All Other Miscellaneous Health Practitioners	$375,000
2021-04	D'C*****LLC	Frisco, TX	Solid Waste Collection	$286,000
2021-03	Dos*****LLC	SOUTH GATE, CA	Limited-Service Restaurants	$876,400
2021-02	Red*****LLC	WAKE FOREST, NC	Other Computer Related Services	$203,700
2021-02	55***LLC	Lakewood, CO	Used Car Dealers	$1,190,000
2020-11	Sou*****LLC	AUSTIN, TX	Pet Care (except Veterinary) Services	$1,499,900
2020-11	Ale*****LLC	BOILING SPRINGS, SC	Full-Service Restaurants	$975,000

Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.

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