SBA lending by metro area
SBA lenders in Binghamton, NY
Which lenders fund Binghamton-area businesses, how much, and how the market compares with New York: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Binghamton area
Ranked by SBA volume funded to businesses located in the Binghamton metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 333 | $33.8M | $102K | 6.61% |
| 2 | Empire State Certified Development Corporation | 35 | $27.9M | $798K | not reported |
| 3 | New York Business Development Corporation | 6 | $9.5M | $1.6M | not reported |
| 4 | KeyBank National Association | 44 | $8.7M | $198K | 0.00% |
| 5 | Tioga State Bank, National Association | 52 | $7.6M | $147K | 3.85% |
| 6 | NBT Bank, National Association | 57 | $6.8M | $120K | 0.00% |
| 7 | Wells Fargo Bank National Association | 6 | $3.6M | $594K | not reported |
| 8 | Citizens Bank, National Association | 28 | $2.9M | $103K | 0.00% |
| 9 | Chemung Canal Trust Company | 9 | $2.0M | $226K | not reported |
| 10 | Newtek Bank, National Association | 5 | $1.2M | $245K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Binghamton compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Binghamton area | $80K ▼ 20.0% | 5.6% ▼ 0.6 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Binghamton
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 107 | $48.8M |
| Retail Trade | 112 | $23.2M |
| Manufacturing | 51 | $16.2M |
| Health Care and Social Assistance | 43 | $11.1M |
| Construction | 82 | $9.6M |
| Transportation and Warehousing | 31 | $8.6M |
| Professional and Technical Services | 42 | $7.6M |
| Other Services | 54 | $7.3M |
SBA lending in Binghamton by year
Geography, precisely
"Binghamton area" here means the Binghamton, NY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Broome County, NY; Tioga County, NY. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.