Bank of Clarke
Headquartered in BERRYVILLE, VA. Analysis based on 101 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $91.3M.
Total 7(a) loans
101
Total approved
$91.3M
Average loan
$903K
States funded in
13
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
19.23%
Average rate
10.07%
Average term
137 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 9 |
| 812199 | Other Personal Care Services | 7 |
| 238910 | Site Preparation Contractors | 5 |
| 722513 | Limited-Service Restaurants | 5 |
| 562111 | Solid Waste Collection | 3 |
| 322212 | Folding Paperboard Box Manufacturing | 3 |
| 424820 | Wine and Distilled Alcoholic Beverage Merchant Wholesalers | 3 |
| 812111 | Barber Shops | 3 |
| 339113 | Surgical Appliance and Supplies Manufacturing | 2 |
| 238990 | All Other Specialty Trade Contractors | 2 |
Top 10 states
| State | Loans |
|---|---|
| VA | 58 |
| MD | 15 |
| DC | 6 |
| FL | 6 |
| CT | 3 |
| PA | 2 |
| TX | 2 |
| GA | 2 |
| NY | 2 |
| NJ | 2 |
Top franchise brands financed
18 franchise loans across 11 distinct brands.
| Franchise | Loans |
|---|---|
| SweatHouz | 6 |
| Venture X | 2 |
| Hammer & Nails | 2 |
| The UPS Store (f/k/a Mail Box | 1 |
| Soldierfit | 1 |
| Francisca Charcoal Chicken & M | 1 |
| Real Property Management | 1 |
| HTeaO | 1 |
| Jimmy John's | 1 |
| iCode | 1 |
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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.