SBA lending by metro area
SBA lenders in Panama City, FL
Which lenders fund Panama City-area businesses, how much, and how the market compares with Florida: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Panama City area
Ranked by SBA volume funded to businesses located in the Panama City 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 | Florida First Capital Finance Corporation, Inc. | 51 | $44.9M | $880K | not reported |
| 2 | Florida Business Development Corporation | 38 | $19.7M | $519K | not reported |
| 3 | Hancock Whitney Bank | 24 | $15.9M | $661K | 0.00% |
| 4 | Live Oak Banking Company | 15 | $14.6M | $971K | not reported |
| 5 | Pinnacle Bank | 6 | $11.7M | $2.0M | not reported |
| 6 | The Huntington National Bank | 19 | $11.5M | $606K | not reported |
| 7 | BankUnited, National Association | 5 | $8.6M | $1.7M | not reported |
| 8 | Ameris Bank | 7 | $8.4M | $1.2M | not reported |
| 9 | Truist Bank | 14 | $7.3M | $520K | not reported |
| 10 | First Federal Bank | 11 | $7.1M | $646K | 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 Panama City compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Panama City area | $274K ▲ 9.4% | 20.6% ▲ 5.4 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Panama City
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 81 | $88.1M |
| Health Care and Social Assistance | 62 | $37.6M |
| Retail Trade | 62 | $27.4M |
| Wholesale Trade | 15 | $19.6M |
| Arts, Entertainment, Recreation | 26 | $16.6M |
| Professional and Technical Services | 41 | $14.7M |
| Manufacturing | 19 | $14.4M |
| Other Services | 44 | $13.1M |
SBA lending in Panama City by year
Geography, precisely
"Panama City area" here means the Panama City-Panama City Beach, FL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Bay County, FL; Washington County, FL. 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.