# Provident Bank SBA loans in New York **Short answer:** SBA's loan file shows Provident Bank made 60 SBA loans in New York since October 2019. Loans to liquor stores were 50.0% of its loans here, well above its national share and its share of all loans in New York. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/provident-bank/new-york/ Data as of: 2026-06-30 This site is not Provident Bank sbaexpress.loans is not Provident Bank, and Provident Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Provident Bank. These are the 60 SBA 7(a) loans [Provident Bank](https://www.sbaexpress.loans/sba-express-lenders/provident-bank/) made in [New York](https://www.sbaexpress.loans/new-york-small-business-loans/) approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other. ## How Provident Bank differs in New York **What this means for you.** Most of Provident Bank's loans in New York went to one industry, so its local lending leans on that trade. ### Industry concentration Loans to [liquor stores](https://www.sbaexpress.loans/industries/beer-wine-liquor-stores/) made up 50.0% of its loans in New York (30 of 60). Nationally they are 14.1% of its loans. They are not among the five most common industries in New York. ### Share of the state's loans Provident Bank made 0.29% of the SBA loans approved in New York since October 2019, against 0.09% of loans nationwide. Its share here is 3.4 times its national share. Share of all SBA loans, Oct 2019 to Jun 2026 - New York: 0.29% - All its U.S. loans: 0.09% We compared 8 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure. ## New York next to the U.S. **New York compared with all of Provident Bank's U.S. loans, October 2019 to June 2026** | Measure | New York | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 0.29% | 0.09% | Clearly higher | | Median loan | $572,500 | $600,000 | No clear gap | | Middle half of loans | $338,750 to $859,125 | $394,000 to $1,082,025 | – | | Startups (the loan opens the business) | 15.0% | 20.0% | No clear gap | | In business 2 years or less | Fewer than 5 | 10.7% | n/a | | In business more than 2 years | 43.3% | 47.2% | No clear gap | | Change of ownership | 36.7% | 21.0% | No clear gap | | SBA Express | Fewer than 5 | 10.3% | No clear gap | | Lines of credit | Fewer than 5 | 10.3% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.25 points over Prime | 2.25 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What Provident Bank lends to in New York The industry below accounts for 30 of the 60 loans approved October 2019 to June 2026, or 50.0%. An industry is listed when it has 5 or more of them, five at most. **Top industries in New York** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Beer, Wine, and Liquor Stores](https://www.sbaexpress.loans/industries/beer-wine-liquor-stores/) | 30 | 50.0% | 14.1% | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## Other lenders in New York Other lenders in New York with a clear difference from the national pattern, most loans first. **Other lenders in New York** | Lender | Loans since October 2019 | | --- | --- | | [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/new-york/) | 3,908 | | [JPMorgan Chase Bank](https://www.sbaexpress.loans/sba-express-lenders/jpmorgan-chase-bank/new-york/) | 1,403 | | [KeyBank](https://www.sbaexpress.loans/sba-express-lenders/keybank/new-york/) | 816 | | [Readycap Lending, LLC](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/new-york/) | 738 | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/new-york/) | 471 | | [Celtic Bank](https://www.sbaexpress.loans/sba-express-lenders/celtic-bank/new-york/) | 284 | | [Webster Bank](https://www.sbaexpress.loans/sba-express-lenders/webster-bank/new-york/) | 247 | | [Bank of America](https://www.sbaexpress.loans/sba-express-lenders/bank-of-america/new-york/) | 170 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)