{"citation":"North State Bank SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/north-state-bank/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/north-state-bank/","title":"North State Bank SBA loans","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"13 CFR § 120.214(d)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"FDIC BankFind: institution directory (headquarters and website)","url":"https://banks.data.fdic.gov/bankfind-suite/bankfind"}],"data":{"lender":{"name":"North State Bank","legal_name":"North State Bank","type":"bank","headquarters_city":"Raleigh","headquarters_state":"NC","fdic_certificate":35519,"ncua_charter":null,"regulator_status":"active","website":"https://www.northstatebank.com","rank_by_loans":164,"lenders_ranked":807},"window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"loans":116,"dollars_approved":96973100,"median_loan":622500,"loan_25th_percentile":391000,"loan_75th_percentile":1062000,"median_term_months":120,"median_starting_rate_pct":10.5,"median_starting_rate_window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"median_spread_over_prime_points":2.5,"sba_express_share_pct":0.0,"line_of_credit_share_pct":0.0,"loans_by_size":{"$50,000 or less":0,"$50,001 to $150,000":null,"$150,001 to $350,000":22,"$350,001 to $500,000":26,"$500,001 to $1,000,000":35,"$1,000,001 to $2,000,000":25,"Over $2,000,000":7},"loans_by_business_age":{"In business more than 2 years":24,"In business 2 years or less":11,"Startup: the loan opens the business":47,"Change of ownership":34,"Not answered":0},"top_states":{"Florida":27,"North Carolina":23,"Texas":14,"California":7,"Arizona":6},"top_industries":{"Limited-Service Restaurants":11,"Full-Service Restaurants":6,"Pet Care (except Veterinary) Services":5,"Snack and Nonalcoholic Beverage Bars":5},"loans_by_fiscal_year":{"2020":65,"2021":79,"2022":38,"2023":14,"2024":53,"2025":36,"2026":27},"charge_offs":{"loans_approved_in":"FY2020 to FY2022","loans":182,"charged_off_pct_of_loans":2.7,"charged_off_pct_of_dollars":0.6},"all_lenders":{"median_loan":150300,"median_spread_over_prime_points":2.75,"sba_express_share_pct":35.8,"line_of_credit_share_pct":28.1,"charged_off_pct_of_loans":3.6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials."}}