U.S. Bank, National Association
Headquartered in Cincinnati, OH. Analysis based on 16,217 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $3.97B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
U.S. Bank, National Association ranks #53 by charge-off rate (3.11%).
Total 7(a) loans
16,217
Total approved
$3.97B
Average loan
$245K
States funded in
50
Charge-off rate
3.11%
FY2020–FY2023 cohort
Paid-in-full rate
37.17%
Average rate
8.35%
Average term
106 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 236118 | Residential Remodelers | 868 |
| 722511 | Full-Service Restaurants | 506 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 466 |
| 484110 | General Freight Trucking, Local | 362 |
| 238990 | All Other Specialty Trade Contractors | 340 |
| 811111 | General Automotive Repair | 331 |
| 238210 | Electrical Contractors | 331 |
| 524210 | Insurance Agencies and Brokerages | 330 |
| 812112 | Beauty Salons | 307 |
| 722513 | Limited-Service Restaurants | 289 |
Top 10 states
| State | Loans |
|---|---|
| CA | 5,510 |
| MN | 1,149 |
| WA | 889 |
| OR | 875 |
| IL | 870 |
| CO | 791 |
| OH | 783 |
| NV | 615 |
| MO | 601 |
| WI | 562 |
Top franchise brands financed
375 franchise loans across 224 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 43 |
| Servpro | 8 |
| Subway | 7 |
| Round Table Pizza | 6 |
| Kumon | 6 |
| Papa Murphy's Take 'N' Bake Pi | 5 |
| Little Caesars | 5 |
| Cold Stone Creamery | 5 |
| Budget Blinds | 4 |
| ServiceMaster | 4 |
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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.