SBA lender profile
Capitol National Bank
Capitol National Bank appears in the public SBA loan data with 130 funded 7(a) loans since FY2010, totaling $57.4M, an average of $442K per loan, and an estimated 2,206 jobs supported. Its SBA lending concentrates in Michigan and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 3.1%. 60.8% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 71
- Scale 58
- Activity 58
- Consistency 81
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Capitol National Bank the right lender for you?
Lenders fund what they know. Capitol National Bank's SBA lending concentrates in Michigan (112 loans) and Accommodation and Food Services (39 loans), at an average loan of $442K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $0M
- Headquarters
- Raleigh, NC
- FDIC cert
- #21022
- Status
- Inactive
Where Capitol National Bank lends
Top states by funded SBA volume.
Metro areas where Capitol National Bank funds
What Capitol National Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 39 | $15.2M |
| Other Services | 9 | $7.1M |
| Wholesale Trade | 5 | $7.0M |
| Manufacturing | 11 | $5.0M |
| Retail Trade | 7 | $4.5M |
| Administrative and Support | 11 | $3.8M |
Capitol National Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 3 | $776K |
| 2011 | 10 | $3.2M |
| 2012 | 4 | $592K |
| 2013 | 1 | $96K |
| 2014 | 6 | $817K |
| 2015 | 19 | $6.2M |
| 2016 | 19 | $9.9M |
| 2017 | 11 | $3.2M |
| 2018 | 7 | $2.7M |
| 2019 | 5 | $1.4M |
| 2020 | 3 | $335K |
| 2021 | 13 | $10.0M |
| 2022 | 13 | $5.0M |
| 2023 | 5 | $1.9M |
| 2024 | 2 | $2.7M |
| 2025 | 7 | $5.2M |
| 2026 | 2 | $3.4M |
Related SBA lenders
Other lenders active in Michigan or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Capitol National Bank: frequently asked questions
Does Capitol National Bank offer SBA loans?
Yes. Capitol National Bank appears in the public SBA data with 130 funded SBA 7(a) loans totaling $57.4M.
How many SBA loans has Capitol National Bank made?
Capitol National Bank is associated with 130 SBA 7(a) loans totaling $57.4M in the public SBA data (as of 2026-03-31).
What is Capitol National Bank's SBA charge-off rate?
About 3.1% of Capitol National Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Capitol National Bank do most of its SBA lending?
Capitol National Bank's SBA lending in the data is most concentrated in Michigan, and by industry in Accommodation and Food Services.
Is Capitol National Bank an SBA Preferred Lender (PLP)?
The loan record shows Capitol National Bank operating under PLP delegated authority: 79 of its 7(a) loans (60.8%) were processed through the Preferred Lenders Program, including 7 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Capitol National Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/capitol-national-bank/
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