SBA lending by metro area
SBA lenders in Oneonta, NY
Which lenders fund Oneonta-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 Oneonta area
Ranked by SBA volume funded to businesses located in the Oneonta micropolitan 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 | Empire State Certified Development Corporation | 9 | $10.1M | $1.1M | not reported |
| 2 | NBT Bank, National Association | 27 | $6.2M | $229K | 3.70% |
| 3 | KeyBank National Association | 11 | $4.6M | $418K | not reported |
| 4 | Manufacturers and Traders Trust Company | 8 | $2.8M | $353K | not reported |
| 5 | Community Bank, National Association | 20 | $1.5M | $77K | 0.00% |
| 6 | Citizens Bank, National Association | 8 | $550K | $69K | not reported |
| 7 | Beacon Bank and Trust | 5 | $121K | $24K | 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 Oneonta compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Oneonta area | $143K ▲ 43.0% | 8.3% ▲ 2.0 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Oneonta
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 24 | $19.4M |
| Retail Trade | 24 | $7.7M |
| Mining and Extraction | 5 | $4.2M |
| Other Services | 7 | $2.0M |
| Manufacturing | 13 | $1.9M |
| Health Care and Social Assistance | 6 | $1.1M |
| Construction | 9 | $624K |
| Wholesale Trade | 6 | $410K |
SBA lending in Oneonta by year
Geography, precisely
"Oneonta area" here means the Oneonta, NY micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Otsego 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.