PNC Bank, National Association
Headquartered in WILMINGTON, DE. Analysis based on 3,192 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.04B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
PNC Bank, National Association ranks #59 by charge-off rate (4.52%).
Total 7(a) loans
3,192
Total approved
$1.04B
Average loan
$327K
States funded in
39
Charge-off rate
4.52%
FY2020–FY2023 cohort
Paid-in-full rate
22.67%
Average rate
9.03%
Average term
142 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 164 |
| 236118 | Residential Remodelers | 140 |
| 722513 | Limited-Service Restaurants | 95 |
| 812112 | Beauty Salons | 79 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 72 |
| 238990 | All Other Specialty Trade Contractors | 65 |
| 238210 | Electrical Contractors | 64 |
| 484110 | General Freight Trucking, Local | 63 |
| 621210 | Offices of Dentists | 59 |
| 811111 | General Automotive Repair | 58 |
Top 10 states
| State | Loans |
|---|---|
| TX | 556 |
| PA | 350 |
| NJ | 323 |
| FL | 257 |
| OH | 257 |
| IL | 183 |
| MI | 146 |
| MD | 129 |
| NC | 126 |
| CA | 120 |
Top franchise brands financed
185 franchise loans across 121 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 7 |
| Culver's ButterBurgers & Froze | 4 |
| The Goddard School | 4 |
| Kiddie Academy | 4 |
| Great Clips | 4 |
| FASTSIGNS | 3 |
| Subway | 3 |
| Ace Hardware | 3 |
| Nothing Bundt Cakes | 3 |
| Playa Bowls | 3 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.