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NBT Bank, National Association is a full-service community bank headquartered in Norwich, NY, operating over 170 banking locations across seven states including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. The bank provides personal banking, commercial banking, and wealth management services through digital channels and branch locations. Established in 1856, NBT Bank is a trusted financial institution serving individuals and businesses throughout the Northeast.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of December 31, 2025
Median
$171K
Average
$257K
Sweet Spot
$0-$500K
Industries with highest loan volume
Nursery, Garden Center, and Farm Supply Retailers
2
loans
$213K
avg. amount
Nursery, Garden Center, and Farm Supply Retailers
Loans
2
Avg. Amount
$213K
Freight Transportation Arrangement
1
loans
$194K
avg. amount
Freight Transportation Arrangement
Loans
1
Avg. Amount
$194K
Other Business Service Centers (including Copy Shops)
1
loans
$100K
avg. amount
Other Business Service Centers (including Copy Shops)
Loans
1
Avg. Amount
$100K
Graphic Design Services
1
loans
$130K
avg. amount
Graphic Design Services
Loans
1
Avg. Amount
$130K
Electronics and Appliance Retailers
1
loans
$805K
avg. amount
Electronics and Appliance Retailers
Loans
1
Avg. Amount
$805K
Offices of Physicians, Mental Health Specialists
1
loans
$350K
avg. amount
Offices of Physicians, Mental Health Specialists
Loans
1
Avg. Amount
$350K
Limited-Service Restaurants
1
loans
$72K
avg. amount
Limited-Service Restaurants
Loans
1
Avg. Amount
$72K
Gift, Novelty, and Souvenir Retailers
1
loans
$284K
avg. amount
Gift, Novelty, and Souvenir Retailers
Loans
1
Avg. Amount
$284K
Promoters of Performing Arts, Sports, and Similar Events with Facilities
1
loans
$148K
avg. amount
Promoters of Performing Arts, Sports, and Similar Events with Facilities
Loans
1
Avg. Amount
$148K
Office Supplies and Stationery Retailers
1
loans
$104K
avg. amount
Office Supplies and Stationery Retailers
Loans
1
Avg. Amount
$104K
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 0.50% |
Spread over Prime at time of loan origination
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)