Summit State Bank: SBA Lending Activity & Industry Focus
Based on historical SBA 7(a) lending data.
Total Approvals
27
by Summit State Bank
Total Volume
$61,099,000
approved amount
Median Loan Size
$1,797,000
per approval
Recent Activity
1
last 90 days through Dec 2025
Summit State Bank is a regional lender primarily serving California, Arizona, Texas with notable activity in Hotels (except Casino Hotels) and Motels and All Other Professional. With 27 SBA 7(a) approvals and a typical loan size of $1,797,000, their lending data provides a detailed picture of where and how they deploy SBA capital.
What you should know
Key insights derived from Summit State Bank's SBA 7(a) lending history
Industry specialist: Hotels (except Casino Hotels) and Motels
63% of Summit State Bank's SBA loans go to just 3 industries: Hotels (except Casino Hotels) and Motels (37%), All Other Professional (15%), Full-Service Restaurants (11%). If your business is in one of these sectors, Summit State Bank likely understands your industry's economics well — a major advantage during underwriting.
Sweet spot: $1M–$5M loans
55% of Summit State Bank's SBA loans fall in the $1M–$5M range. Their typical loan (median) is $1,750,000, with the middle 50% of loans between $788,000 and $3,159,000. If your loan request is in this range, you may see a faster, smoother process.
Regional focus: California, Arizona, Texas
Summit State Bank concentrates their SBA lending in 5 states, with 93% of activity in California (70%), Arizona (19%), Texas (4%). Regional lenders often have strong local relationships and may offer more competitive terms in their core markets.
Declining SBA activity
Summit State Bank's SBA lending has slowed recently — 7 approvals in the last 6 months vs. 11 in the prior period (-36%). This could reflect tighter credit standards, strategic shifts, or seasonal variation.
Larger-than-average loan sizes
Summit State Bank's median loan of $1,797,000 is significantly above the SBA 7(a) average. This suggests they're comfortable with larger deals — good news if you need substantial financing, but they may have higher minimum loan amounts.
Smaller SBA program
Summit State Bank has 27 SBA 7(a) approvals. Their smaller volume may mean longer processing times, but could also mean more personalized attention for borrowers.
Lending trends for Summit State Bank
Loan size distribution
Based on 128 SBA 7(a) approvals
Summary
Median (50th percentile)
$1,750,000
25th percentile
$788,000
75th percentile
$3,159,000
Average
$2,134,521
Typical range
State-by-state lending activity
| # | State | Approvals |
|---|---|---|
| 1 | California | 19 |
| 2 | Arizona | 5 |
| 3 | Texas | 1 |
| 4 | Utah | 1 |
| 5 | Colorado | 1 |
Summit State Bank by industry
Industry focus
| # | Industry | NAICS | Approvals |
|---|---|---|---|
| 1 | Hotels (except Casino Hotels) and Motels | 721 | 10 |
| 2 | Public Relations Agencies | 541 | 4 |
| 3 | Limited-Service Restaurants | 722 | 3 |
| 4 | Offices of Physicians (except Mental Health Specialists) | 621 | 2 |
| 5 | Breweries | 312 | 1 |
| 6 | Other Construction Material Merchant Wholesalers | 423 | 1 |
| 7 | NAICS 459 | 459 | 1 |
| 8 | All Other Telecommunications | 517 | 1 |
| 9 | Beauty Salons | 812 | 1 |
| 10 | Insurance Agencies and Brokerages | 524 | 1 |
Recent SBA 7(a) approvals by Summit State Bank
| Month | Borrower | Location | Industry | Amount |
|---|---|---|---|---|
| 2025-12 | Que*****Inc | QUEEN CREEK, AZ | Full-Service Restaurants | $1,125,000 |
| 2025-11 | BNL*****LLC | CARLSBAD, CA | Fitness and Recreational Sports Centers | $450,000 |
| 2025-09 | AAX*****ION | LOS ANGELES, CA | Custom Computer Programming Services | $2,625,000 |
| 2025-08 | PRI*****INC | SAN FERNANDO, CA | Insurance Agencies and Brokerages | $900,000 |
| 2025-08 | AAX*****ION | LOS ANGELES, CA | Custom Computer Programming Services | $2,375,000 |
| 2025-07 | 35 *****LLC | LEESBURG, VA | Sports and Recreation Instruction | $400,000 |
| 2025-05 | Rui*****nc. | STANTON, CA | Sports and Recreation Instruction | $975,000 |
| 2025-03 | Sac*****LLC | COLFAX, CA | Hotels (except Casino Hotels) and Motels | $655,000 |
| 2025-01 | AH**LLC | GATESVILLE, TX | — | $199,000 |
| 2025-01 | RN***LLC | SANTA ROSA, CA | Homes for the Elderly | $4,825,000 |
| 2025-01 | Pri*****LLC | TACOMA, WA | Full-Service Restaurants | $560,000 |
| 2024-10 | NW *****LLC | MARYSVILLE, WA | — | $870,000 |
| 2024-09 | Pac*****nc. | ELVERTA, CA | Other Grocery and Related Products Merchant Wholesalers | $5,000,000 |
| 2024-09 | Ger*****nc. | SPARTANBURG, SC | — | $2,000,000 |
| 2024-09 | J&M*****LLC | ARLINGTON, WA | — | $300,000 |
| 2024-08 | 44 *****LLC | SAN FRANCISCO, CA | Offices of Lawyers | $1,190,000 |
| 2024-07 | Fag*****nc. | TACOMA, WA | — | $2,690,000 |
| 2024-07 | IL***INC | STAFFORD, TX | — | $610,000 |
| 2024-06 | Cei*****Inc | SACRAMENTO, CA | Roofing Contractors | $1,375,000 |
| 2024-06 | Fed*****nc. | FEDERAL WAY, WA | Other Personal Care Services | $320,000 |
| 2024-05 | RN***LLC | SANTA ROSA, CA | Offices of Physicians (except Mental Health Specialists) | $1,700,000 |
| 2024-03 | LLK*****ion | RENTON, WA | — | $443,000 |
| 2024-02 | J+M*****LLC | GLENDALE, AZ | — | $620,000 |
| 2024-02 | Nap*****LLC | NAPA, CA | Limited-Service Restaurants | $600,000 |
| 2024-01 | Har*****LLC | HEALDSBURG, CA | Caterers | $788,000 |
| 2024-01 | Bat*****LLC | KATY, TX | Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesal | $500,000 |
| 2023-11 | Alo*****LLC | BENICIA, CA | Process, Physical Distribution, and Logistics Consulting Services | $960,000 |
| 2023-10 | 190***** Rd | SACRAMENTO, CA | Hotels (except Casino Hotels) and Motels | $5,000,000 |
| 2023-09 | KAL*****NC. | CHICO, CA | Car Washes | $1,292,000 |
| 2023-09 | Qua*****nc. | RIALTO, CA | General Automotive Repair | $2,425,000 |
| 2023-07 | SK *****LLC | ANACORTES, WA | Hotels (except Casino Hotels) and Motels | $5,000,000 |
| 2023-07 | For*****Inc | CAMPBELL, CA | Homes for the Elderly | $1,250,000 |
| 2023-07 | RJ *****Inc | KENT, WA | Hotels (except Casino Hotels) and Motels | $2,034,000 |
| 2023-06 | 4x4*****Inc | SCOTTS VALLEY, CA | General Automotive Repair | $215,000 |
| 2023-04 | The*****LLC | BLUE MOUND, TX | Insurance Agencies and Brokerages | $250,000 |
| 2023-04 | Tri*****jet | NAPA, CA | Machine Shops | $620,000 |
| 2023-04 | Pig*****LLC | VOLCANO, CA | Full-Service Restaurants | $700,000 |
| 2023-03 | Bat*****Inc | SAN FRANCISCO, CA | Public Relations Agencies | $500,000 |
| 2023-01 | CLO*****LLC | SAN MARTIN, CA | Wineries | $500,000 |
| 2022-12 | Pac*****LLC | BELLINGHAM, WA | Hotels (except Casino Hotels) and Motels | $5,000,000 |
| 2022-12 | VVS*****low | BUTTONWILLOW, CA | Hotels (except Casino Hotels) and Motels | $2,825,000 |
| 2022-11 | FUT*****NC. | LANCASTER, CA | Plumbing, Heating, and Air-Conditioning Contractors | $614,000 |
| 2022-10 | Law*****Esq | ORANGE, CA | Lessors of Nonresidential Buildings (except Miniwarehouses) | $523,000 |
| 2022-10 | Gla*****LLC | FORT BRAGG, CA | Hotels (except Casino Hotels) and Motels | $3,207,000 |
| 2022-06 | Orc*****LLC | PHOENIX, AZ | — | $453,000 |
| 2022-06 | MVI*****LLC | FLAGSTAFF, AZ | Hotels (except Casino Hotels) and Motels | $2,603,000 |
| 2022-05 | Mal*****LLC | MALIBU, CA | Pet Care (except Veterinary) Services | $2,350,000 |
| 2022-05 | Men*****LLC | MENDOCINO, CA | Hotels (except Casino Hotels) and Motels | $2,150,000 |
| 2022-05 | Cos*****LLC | COSTA MESA, CA | Hotels (except Casino Hotels) and Motels | $5,000,000 |
| 2022-04 | Shr*****ata | SAN LUIS OBISPO, CA | Hotels (except Casino Hotels) and Motels | $5,000,000 |
Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.
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