Summit State Bank: SBA Lending Activity & Industry Focus
Based on historical SBA 7(a) lending data.
Total Approvals
27
by Summit State Bank
Total Volume
$61,099,000
approved amount
Median Loan Size
$1,797,000
per approval
Recent Activity
1
last 90 days through Dec 2025
Summit State Bank is a regional lender primarily serving California, Arizona, Texas with notable activity in Hotels (except Casino Hotels) and Motels and All Other Professional. With 27 SBA 7(a) approvals and a typical loan size of $1,797,000, their lending data provides a detailed picture of where and how they deploy SBA capital.
What you should know
Key insights derived from Summit State Bank's SBA 7(a) lending history
Industry specialist: Hotels (except Casino Hotels) and Motels
63% of Summit State Bank's SBA loans go to just 3 industries: Hotels (except Casino Hotels) and Motels (37%), All Other Professional (15%), Full-Service Restaurants (11%). If your business is in one of these sectors, Summit State Bank likely understands your industry's economics well — a major advantage during underwriting.
Sweet spot: $1M–$5M loans
57% of Summit State Bank's SBA loans fall in the $1M–$5M range. Their typical loan (median) is $1,797,000, with the middle 50% of loans between $960,000 and $4,000,000. If your loan request is in this range, you may see a faster, smoother process.
Regional focus: California, Arizona, Texas
Summit State Bank concentrates their SBA lending in 5 states, with 93% of activity in California (70%), Arizona (19%), Texas (4%). Regional lenders often have strong local relationships and may offer more competitive terms in their core markets.
Larger-than-average loan sizes
Summit State Bank's median loan of $1,797,000 is significantly above the SBA 7(a) average. This suggests they're comfortable with larger deals — good news if you need substantial financing, but they may have higher minimum loan amounts.
Smaller SBA program
Summit State Bank has 27 SBA 7(a) approvals. Their smaller volume may mean longer processing times, but could also mean more personalized attention for borrowers.
Steady lending pace
Summit State Bank's SBA activity has been relatively stable, with 7 approvals in the last 6 months. Consistent volume suggests a reliable, ongoing SBA program without major disruptions.
Lending trends for Summit State Bank
Loan size distribution
Based on 28 SBA 7(a) approvals
Summary
Median (50th percentile)
$1,797,000
25th percentile
$960,000
75th percentile
$4,000,000
Average
$2,204,036
Typical range
State-by-state lending activity
| # | State | Approvals |
|---|---|---|
| 1 | California | 19 |
| 2 | Arizona | 5 |
| 3 | Texas | 1 |
| 4 | Utah | 1 |
| 5 | Colorado | 1 |
Summit State Bank by industry
Industry focus
| # | Industry | NAICS | Approvals |
|---|---|---|---|
| 1 | Hotels (except Casino Hotels) and Motels | 721 | 10 |
| 2 | Public Relations Agencies | 541 | 4 |
| 3 | Limited-Service Restaurants | 722 | 3 |
| 4 | Offices of Physicians (except Mental Health Specialists) | 621 | 2 |
| 5 | Breweries | 312 | 1 |
| 6 | Other Construction Material Merchant Wholesalers | 423 | 1 |
| 7 | NAICS 459 | 459 | 1 |
| 8 | All Other Telecommunications | 517 | 1 |
| 9 | Beauty Salons | 812 | 1 |
| 10 | Insurance Agencies and Brokerages | 524 | 1 |
Recent SBA 7(a) approvals by Summit State Bank
| Month | Borrower | Location | Industry | Amount |
|---|---|---|---|---|
| 2025-12 | Que*****Inc | QUEEN CREEK, AZ | Full-Service Restaurants | $1,125,000 |
| 2025-01 | RN***LLC | SANTA ROSA, CA | Homes for the Elderly | $4,825,000 |
| 2024-08 | 44 *****LLC | SAN FRANCISCO, CA | Offices of Lawyers | $1,190,000 |
| 2024-05 | RN***LLC | SANTA ROSA, CA | Offices of Physicians (except Mental Health Specialists) | $1,700,000 |
| 2023-11 | Alo*****LLC | BENICIA, CA | Process, Physical Distribution, and Logistics Consulting Services | $960,000 |
| 2023-04 | The*****LLC | BLUE MOUND, TX | Insurance Agencies and Brokerages | $250,000 |
| 2023-04 | Pig*****LLC | VOLCANO, CA | Full-Service Restaurants | $700,000 |
| 2023-03 | Bat*****Inc | SAN FRANCISCO, CA | Public Relations Agencies | $500,000 |
| 2022-12 | VVS*****low | BUTTONWILLOW, CA | Hotels (except Casino Hotels) and Motels | $2,825,000 |
| 2022-11 | FUT*****NC. | LANCASTER, CA | Plumbing, Heating, and Air-Conditioning Contractors | $614,000 |
| 2022-06 | Orc*****LLC | PHOENIX, AZ | — | $453,000 |
| 2022-04 | Shr*****ata | SAN LUIS OBISPO, CA | Hotels (except Casino Hotels) and Motels | $5,000,000 |
| 2022-01 | JR**LLC | CASTLE ROCK, CO | Limited-Service Restaurants | $400,000 |
| 2021-08 | Sal*****LLC | SANTA CLARITA, CA | Beauty Salons | $1,797,000 |
| 2021-08 | Nor*****LLC | FORT BRAGG, CA | Hotels (except Casino Hotels) and Motels | $2,280,000 |
| 2021-08 | Agn*****LLC | TOOELE, UT | Process, Physical Distribution, and Logistics Consulting Services | $4,646,000 |
| 2021-06 | SAB*****LLC | NORTH HOLLYWOOD, CA | All Other Telecommunications | $1,931,000 |
| 2021-05 | Hyb*****LLC | LOS ANGELES, CA | Other Construction Material Merchant Wholesalers | $1,914,000 |
| 2021-05 | TAM*****LLC | RICHMOND, CA | Breweries | $1,500,000 |
| 2021-04 | 106*****LLC | JENNER, CA | Hotels (except Casino Hotels) and Motels | $2,160,000 |
| 2021-03 | Dev*****LLC | CASA GRANDE, AZ | Hotels (except Casino Hotels) and Motels | $2,720,000 |
| 2021-01 | The***** LP | HEALDSBURG, CA | Hotels (except Casino Hotels) and Motels | $5,000,000 |
| 2020-11 | Kha*****nc. | SANTA ROSA, CA | Offices of Physicians (except Mental Health Specialists) | $603,000 |
| 2020-11 | Sel*****LLC | NORTH HIGHLANDS, CA | Lessors of Miniwarehouses and Self-Storage Units | $1,125,000 |
| 2020-08 | Fla*****LLC | FLAGSTAFF, AZ | Hotels (except Casino Hotels) and Motels | $1,495,000 |
| 2020-08 | Pom*****LLC | POMONA, CA | Hotels (except Casino Hotels) and Motels | $5,000,000 |
| 2020-08 | Pau*****nc. | SACRAMENTO, CA | Hotels (except Casino Hotels) and Motels | $4,000,000 |
| 2020-08 | McD*****LLC | PHOENIX, AZ | Hotels (except Casino Hotels) and Motels | $5,000,000 |
Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.
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