Regions Bank
Headquartered in BIRMINGHAM, AL. Analysis based on 811 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $853.6M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Regions Bank ranks #38 by charge-off rate (1.35%).
Total 7(a) loans
811
Total approved
$853.6M
Average loan
$1.1M
States funded in
18
Charge-off rate
1.35%
FY2020–FY2023 cohort
Paid-in-full rate
30.83%
Average rate
7.62%
Average term
140 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 624410 | Child Day Care Services | 36 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 25 |
| 722511 | Full-Service Restaurants | 25 |
| 524210 | Insurance Agencies and Brokerages | 23 |
| 722513 | Limited-Service Restaurants | 22 |
| 811111 | General Automotive Repair | 16 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 15 |
| 238990 | All Other Specialty Trade Contractors | 13 |
| 561730 | Landscaping Services | 13 |
| 531390 | Other Activities Related to Real Estate | 13 |
Top 10 states
| State | Loans |
|---|---|
| FL | 227 |
| TX | 182 |
| TN | 83 |
| GA | 71 |
| AL | 50 |
| LA | 36 |
| MO | 33 |
| AR | 25 |
| NC | 25 |
| IN | 23 |
Top franchise brands financed
96 franchise loans across 45 distinct brands.
| Franchise | Loans |
|---|---|
| Primrose Schools | 17 |
| The Goddard School | 13 |
| Mr. Transmission | 5 |
| Domino's | 4 |
| Two Men and a Truck | 4 |
| Servpro | 3 |
| Jet's Pizza | 3 |
| Plato's Closet | 2 |
| Anytime Fitness | 2 |
| Hoodz | 2 |
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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.