SBA lending by metro area
SBA lenders in Utica, NY
Which lenders fund Utica-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 Utica area
Ranked by SBA volume funded to businesses located in the Utica 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 | Adirondack Bank | 117 | $27.9M | $238K | 5.13% |
| 2 | Empire State Certified Development Corporation | 36 | $27.6M | $767K | not reported |
| 3 | Manufacturers and Traders Trust Company | 311 | $25.1M | $81K | 4.82% |
| 4 | Beacon Bank and Trust | 244 | $23.2M | $95K | 4.92% |
| 5 | NBT Bank, National Association | 76 | $14.3M | $189K | 6.58% |
| 6 | Live Oak Banking Company | 7 | $11.6M | $1.7M | not reported |
| 7 | New York Business Development Corporation | 13 | $7.5M | $577K | not reported |
| 8 | KeyBank National Association | 46 | $7.4M | $161K | 0.00% |
| 9 | Community Bank, National Association | 37 | $5.3M | $145K | 2.70% |
| 10 | Citizens Bank, National Association | 11 | $4.0M | $367K | 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 Utica compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Utica area | $50K ▼ 50.0% | 4.0% ▼ 2.3 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Utica
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 153 | $40.2M |
| Manufacturing | 87 | $34.6M |
| Accommodation and Food Services | 120 | $33.9M |
| Construction | 123 | $17.6M |
| Other Services | 99 | $15.6M |
| Health Care and Social Assistance | 68 | $12.0M |
| Professional and Technical Services | 66 | $11.0M |
| Finance and Insurance | 29 | $10.8M |
SBA lending in Utica by year
Geography, precisely
"Utica area" here means the Utica-Rome, NY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Herkimer County, NY; Oneida 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.