July 2015

Report on SBLF Participants’ 

Small Business Lending Growth

Submitted to Congress pursuant to Section 4106(3) of

the Small Business Jobs Act of 2010
1

OVERVIEW

Small businesses are a vital part of the American economy and their success is a critical component of the economic 

recovery. Established by the Small Business Jobs Act of 2010 (the Act), the Small Business Lending Fund (SBLF) is a 

dedicated fund designed to provide capital to qualified community banks1and community development loan funds 

(CDLFs) in order to encourage small business lending. The purpose of the SBLF is to encourage Main Street banks and 

small businesses to work together, help create jobs, and promote economic growth in communities across the 

nation. 

This report provides information on changes in small business lending by SBLF participants as of March 31, 2015, 

relative to baseline levels.

2

 As of March 31, 2015, institutions participating in SBLF have made important progress in 

increasing their small business lending, helping to support small businesses and local economies across the nation.

• In total, current SBLF participants have increased their small business lending by $15.4 billion over a $31.3

billion baseline. This reflects a $280 million increase over the prior quarter.

• To date, the total increase in small business lending reported by current and former3participants amounted 

to $16.4 billion. 

• Increases in small business lending are widespread across SBLF participants, with 97.8 percent of participants 

having increased their small business lending over baseline levels.

• Most participants report that their small business lending increases have been substantial, with 93 percent 

increasing small business lending by 10 percent or more.

This report also provides information on changes in business lending and other lending by SBLF banks relative to (i) a 

representative peer group of 398 community banks that were selected to match the specific size, geography, and 

financial condition of SBLF banks and (ii) a broader comparison group of the 5,647 similarly-sized community banks 

that are headquartered in the same states as SBLF banks. 

• SBLF banks have increased business loans outstanding by a median of 73.6 percent over baseline levels, 

versus a 23.1 percent median increase for the representative peer group and a 17.8 percent median increase 

for the broader comparison group.

• SBLF banks have increased business lending by substantially greater amounts across median measures of 

size, geography, loan type, and financial condition versus the peer and comparison groups.

• SBLF banks that refinanced CPP funding have increased business lending by a median of 70.9 percent since 

their initial receipt of CPP funding from Treasury versus a 26.7 percent increase for the peer group and an

23.3 percent increase for the comparison group over the same period. 

Please see Appendix A for additional information regarding the methodology employed in this report.

 

1

In this report, the terms “banks” and “community banks” encompass banks, thrifts, and bank and thrift holding companies with consolidated 

assets of less than $10 billion. 

2

As established in the Act, the baseline for measuring the change in small business lending is the average of the amounts that were reported 

for each of the four calendar quarters ended June 30, 2010.

3

Lending growth reported by former participants in the final quarter of participation is held constant through subsequent periods
2

BACKGROUND

This report is submitted to Congress pursuant to Section 4106(3) of the Act, which directs the Secretary of the 

Treasury to provide a quarterly written report on how institutions participating in the SBLF program have used the 

funds they received under the program. 

Treasury invested more than $4.0 billion in 332 institutions through the SBLF program. These amounts include 

investments of $3.9 billion in 281 community banks and $104 million in 51 CDLFs. Collectively, these institutions 

operate in more than 3,000 locations across 47 states and the District of Columbia. This report includes information 

on the 267 institutions that continued to participate in the program as of March 31, 2015 and submitted quarterly 

supplemental reports for the fourth quarter, including 219 community banks and 48 CDLFs. The initial disbursement 

of SBLF funding to banks occurred on June 21, 2011, with subsequent transactions completed thereafter until the 

program’s September 27, 2011 statutory funding deadline. 

As of June 1, 2015, 63 institutions with aggregate investments of $1.0 billion have fully redeemed their SBLF 

securities and exited the program, and 30 institutions have partially redeemed $300 million (or 54 percent of their 

SBLF securities) though continue to participate in the program. 

The SBLF program encourages lending to small businesses by providing capital to community banks and CDLFs with 

less than $10 billion in assets.

• For community banks, the SBLF program is structured to encourage small business lending through a dividend 

or interest rate incentive structure. The initial rate payable on SBLF capital is, at most, 5 percent, and the rate 

falls to 1 percent if a bank’s small business lending increases by 10 percent or more. 4 Banks that increase their 

lending by amounts less than 10 percent pay rates between 2 percent and 4 percent. If a bank’s lending does 

not increase in the first two years, however, the rate increases to 7 percent. If a bank has not repaid the SBLF 

funding after four and a half years, the rate increases to 9 percent.

• For CDLFs, the SBLF program is structured to encourage small business lending through access to low‐cost 

capital at a 2 percent interest rate. These non‐profit loan funds play a critical role in distressed communities 

across the country that lack access to mainstream financial services. CDLFs engage in activities including 

offering microloans to entrepreneurs, providing mezzanine debt to growing small businesses, and financing 

community facilities like charter schools and health clinics.

As established in the Act and described above, the SBLF program operates through an indirect mechanism to achieve 

policy outcomes. The additional lending capacity provided by SBLF capital – coupled with the program’s dividend or 

interest rate incentives in the case of community banks – encourages institutions to increase small business lending. 

Because of the program’s structure, increases in small business lending cannot be directly linked to the use of SBLF 

funds. However, the program’s impact can be observed indirectly. Accordingly, this report provides information 

regarding aggregate increases in small business lending as well as a comparison of outcomes between program 

participants and a peer group matched on key characteristics. For additional information regarding the methodology 

employed in this report, please see Appendix A. 

 

4

The initial interest rate paid by S corporations and mutual institutions is, at most, 7.7 percent. If these institutions increase their small business 

lending by 10 percent or more, then the rate falls to as low as 1.5 percent. These interest rates equate to after‐tax effective rates (assuming a 

35% tax rate) equivalent to the dividend rate paid by C corporation participants.
3

INCREASES IN SMALL BUSINESS LENDING OVER BASELINE LEVELS

As of March 31, 2015, SBLF participants have increased their small business lending by $15.4 billion over their 

aggregate baseline of $31.3 billion. Bank participants have increased their small business lending by $14.9 billion (or 

49 percent) over a $30.5 billion baseline, and CDLFs increased their small business lending by $510.7 million (or 68

percent) over a $749.8 million baseline. The following graph shows the aggregate increase in qualified small business 

lending reported by SBLF participants as of March 31, 2015. Increases in small business lending reflect that of current 

participants only and exclude institutions that have exited the program prior to the end of the quarter. 

Increase in Small Business Lending over Baseline by SBLF Participants5

(Reported as of March 31, 2015)

Increases in small business lending are widespread among SBLF participants. To date, 216 of the 219 participating 

community banks (or 99 percent) and 45 of the 48 CDLFs (or 94 percent) have increased their small business lending. 

In addition, 249 of the 267 SBLF participants (or 94 percent) have increased their small business lending by 10 percent 

or more. 

These figures reflect changes in small business lending over baseline levels as specified by the Act (defined as the loan 

balances that were reported for each of the four calendar quarters ended June 30, 2010). The first four of Treasury’s 

investments in SBLF participants were made in the quarter ended June 30, 2011, with all subsequent investments 

made in the quarter ended September 30, 2011. 

 

5

The increase in lending for each quarter is representative of only those institutions participating in the quarter listed. Figures 

reflect the total aggregate net dollar amount of reported increases and decreases in small business lending. The increase over 

time of the baseline through Q3 2011 amount is driven by redemptions from institutions which reported decreases in small 

business lending outnumbering those which reported increases. 

$3.5 $3.5 $3.5 $3.5 $3.5 $3.6 $3.6 $3.5 $3.8 $3.8 $3.8 $3.7 $3.6 $3.5 $3.5

$1.3 $1.7

$3.1 $3.9

$5.2 $5.4 $6.8 $7.4 $8.7 $8.6 $9.8 $10.6 $11.6 $11.9

$0

$2

$4

$6

$8

$10

$12

$14

$16

$18

Q3

2011

Q4

2011

Q1

2012

Q2

2012

Q3

2012

Q4

2012

Q1

2013

Q2

2013

Q3

2013

Q4

2013

Q1

2014

Q2

2014

Q3

2014

Q4

2014

Q1

2015

Increase in Small Business Lending over 

Baseline Level ($ in Billions)

Increase from Baseline through Q3 2011 Increase from Q3 2011 to Current Quarter

$9.0

$11.2

$3.5

$4.8

$6.6 $7.4

$8.8

$10.3

$5.2

Treasury’s investments in SBLF participants were made 

in Q2 and 3Q 2011. Please see Appendix B for 

additional information on changes in small business 

lending following the initial SBLF investments. $12.5 $12.4

$13.5

$14.3

$15.1 $15.4
4

In the period between the baseline and the investment date, some participants increased lending, while others 

decreased. The Act, and the associated program terms, specified that an institution’s initial dividend or interest rate 

shall be based on call report data published in the quarter immediately preceding the date of the SBLF investment. 

Among other effects, this provision may have encouraged institutions to increase small business lending prior to 

entering the SBLF program, as they would receive the associated dividend or interest rate benefit immediately upon 

entry. At the same time, some institutions took actions (e.g., sales of loans or branches or reductions in loans 

outstanding) that reduced the amount of reported small business lending, such that their initial change in small 

business lending over their baseline was negative.

In total, 262 (79 percent) of SBLF participants increased lending by $4.5 billion and 70 (21 percent) participants 

decreased lending by $991 million from the baseline period until the time of Treasury’s initial investments in the 

quarter ended September 30, 2011. Of the 6 participants (2.3 percent) that presently report negative changes in 

small business lending, two had reduced their small business lending in the period between the baseline and the 

investment date, though have since increased their lending above that initial level. Please see Appendix B for 

additional information on changes in small business lending following the initial SBLF investments.

The following chart displays the aggregate positive and negative qualified small business lending growth6reported by 

current SBLF participants. The sum of these balances reflects the total increase in qualified small business lending 

reported. 

Aggregate Increases and Decreases in Small Business Lending over Baseline by SBLF Participants

(Reported as of March 31, 2015)

 

6

Increases and decreases of lending balances are affected by both new originations and loan runoff at participant institutions. 

$4.53 $5.77 $6.26 $7.58 $8.31 $9.54 $9.66$10.90$11.68$12.71$12.69$13.80$14.49$15.27$15.44

-$0.99 -$1.02 -$1.09 -$0.94 -$0.92 -$0.79 -$0.73 -$0.61 -$0.57 -$0.22 -$0.29 -$0.27 -$0.21 -$0.15 -$0.05

$3.5

$4.8 $5.2

$6.6 $7.4

$8.8 $8.9

$10.3 $11.1

$12.5 $12.4

$13.5

$14.3

$15.1 $15.4

-$2

$0

$2

$4

$6

$8

$10

$12

$14

$16

$18

Q3

2011

Q4

2011

Q1

2012

Q2

2012

Q3

2012

Q4

2012

Q1

2013

Q2

2013

Q3

2013

Q4

2013

Q1

2014

Q2

2014

Q3

2014

Q4

2014

Q1

2015

Aggregate Increases and Decreases in Small Business 

Lending over Baseline Level ($ in Billions)

Negative Balance Growth Positive Balance Growth
5

Changes in the net qualified small business loan growth reported are driven largely by positive and negative changes 

in qualified small business lending balances at SBLF participants. To date, the vast majority, or 98 percent, of SBLF 

participants have increased qualified small business lending, for a total of $15.4 billion in positive qualified small 

business loan growth over baseline. The remaining three percent of SBLF participants evidenced a decrease in 

qualified small business lending balances over baseline of $50 million, such that the net of these positive and 

negative qualified small business growth balances is equal to $15.4 billion across all SBLF participants (see also chart 

on page four).

Redemptions also impact the total qualified small business lending reported in a given quarter. As institutions

redeem from the SBLF program, their respective increases or decreases in lending over baseline are removed for 

future reporting purposes. For example, should an SBLF institution with $100 million in qualified small business 

lending growth over baseline redeem from the program, the growth associated with that institution would be 

omitted from total qualified small business loan growth calculations going forward, such that remaining participants 

would need to generate a net increase in qualified small business lending of at least $100 million for the total 

qualified small business loan growth level to remain the same as reported in the previous quarter. The redemption of 

institutions with negative changes in qualified small business lending over baseline can have the inverse effect where,

due to netting effects, the impact of the redemption is an increase in the total qualified small business lending 

reported.

The chart below shows the cumulative net impact of all current and former participants in the program by 

incorporating changes in qualified small business lending over baseline for former SBLF participants at the amount 

reported in the final quarter of program participation and holding those balance changes constant in future quarters. 

For example, if an SBLF participant reported a total increase in small business lending of $10 million over baseline in 

the final quarter prior to a full redemption, that amount is held constant and included in the net small business 

lending growth calculation in each quarter thereafter, instead of being removed as under the current method, as 

outlined in the chart on page three. This approach captures the cumulative lending by all participants, both current 

and redeemed, and more comprehensively displays total historical program impact.

Current and Historical Change in Small Business Lending over Baseline by SBLF Participants

(Reported as of March 31, 2015)

$3.5 $4.8 $5.2 $6.6 $7.4 $8.8 $9.0 $10.3 $11.2 $12.5 $12.4 $13.5 $14.3 $15.1 $15.4

$0.0 $0.05

$0.09 $0.02

$0.03

$0.22

-$0.15

$0.23

0.26 0.44

0.70 0.97

$3.5

$4.8 $5.2

$6.6 $7.5

$8.9 $9.0

$10.3

$11.4 $12.4 $12.6

$13.8 $14.7

$15.8 $16.4

-$2

$0

$2

$4

$6

$8

$10

$12

$14

$16

$18

Q3

2011

Q4

2011

Q1

2012

Q2

2012

Q3

2012

Q4

2012

Q1

2013

Q2

2013

Q3

2013

Q4

2013

Q1

2014

Q2

2014

Q3

2014

Q4

2014

Q1

2015

Current and Historical Change in Small 

Business Lending over Baseline Level ($ in 

Billions)

Cumulative Net Lending Balances Reported by All Redeemed Institutions through Reported Quarter

Cumulative Net Lending Balances Reported by All Current Participants through Reported Quarter
6

As prescribed under the Small Business Jobs Act, SBLF rates became fixed beginning in Q3 2013, such that 

participants that evidenced minimal or negative changes in qualified small business lending over the baseline were 

unable to take advantage of SBLF lending incentives. 

The redemption of several participants with declines in small business lending balances in Q4’13 (just following the 

dividend rate set period) resulted in a negative cumulative net effect of small business lending for redeemed 

participants totaling approximately -$150 million through that quarter, and therefore led to a respective increase of 

the same amount in total measured qualified small business lending during Q4’13 under the standard methodology, 

as outlined in the chart on page 3. 

Subsequently, in the first quarter of 2014 that trend reversed, with several institutions reporting strong positive 

lending over baseline (totaling $380 million) redeeming during that period, such that the net effect of cumulative 

small business lending growth at redeemed institutions totaled a positive $230 million through that quarter. As such, 

this led to a respective decrease of the same amount of total measured qualified small business lending under the 

standard methodology, as outlined in the chart on page 3. 

All subsequent analysis reflects current SBLF participants only.

Distribution of Small Business Lending Increases 

The following graph shows quarter-over-quarter changes in the number of participants reporting lending in the five 

ranges of small business loan growth that correspond to various dividend or interest rates payable on SBLF securities. 

SBLF Participants Reporting Increases in Small Business Lending over Baseline7

(Reported as of March 31. 2015)

 

7

As a result of redemptions, the total number of SBLF institutions was 267 as of Q1 2015, 274 as of Q4 2014, 280 as of Q3 2014, 290 as of Q2 

2014, 295 as of Q1 2014, 298 as of Q4 2013, 307 as of Q3 2013, 315 as of Q2 2013, 317 as of Q1 2013, 320 as of Q4 2012, 326 as of Q3 2012, 

328 as of Q2 2012, and 332 as of Q1 2012 and Q4 2011.

7 3 3 5

249

0

50

100

150

200

250

300

Under 2.5% or

Reduced

2.5 to 4.9%

Increase

5.0 to 7.4%

Increase

7.5 to 9.9%

Increase

10.0% or Greater

Increase

SBLF Participants (#)

Increase in Small Business Lending over Baseline

Q4 2011 Q1 2012 Q2 2012 Q3 2012 Q4 2012 Q1 2013 Q2 2013

Q3 2013 Q4 2013 Q1 2014 Q2 2014 Q3 2014 Q4 2014 Q1 2015
7

To achieve the lowest available dividend or interest rate under the SBLF program terms (the “program incentive”), 

current participants would have needed to increase small business lending in aggregate by at least $3.24 billion.8 As 

of March 31, 2015, the $15.4 billion increase achieved over baseline levels is approximately 4.8 times greater than 

the $3.4 billion program incentive.9

Distribution of Small Business Lending Increases by Quartile

Increases in small business lending are widespread among SBLF participants. The largest dollar value increases in 

small business lending have been made in aggregate by participants with the largest amount of SBLF funds 

outstanding. Funds outstanding is defined as the amount of funds received from SBLF minus funds that have been 

redeemed.

If ranked and grouped by the amount of SBLF investment outstanding, the 67 institutions that held $12.0 million or 

more of outstanding SBLF investment accounted for $8.1 billion of the total reported increase in small business 

lending with $1.8 billion of total investment outstanding. The following graph shows the changes in small business 

lending over baseline levels across four equally-sized groups of SBLF participants based on the dollar amount of their 

SBLF investments outstanding.

Changes in Small Business Lending by Dollar Amount of SBLF Funds Outstanding

(Reported as of March 31, 2015)

 

8

Throughout this report, the term “program incentive” is defined as the aggregate increase that would be required for current participants to 

receive the lowest available dividend or interest rate under the SBLF program terms.

9

As of March 31, 2015, some institutions have increased lending by more than their maximum program incentive, while others have increased 

by less or decreased. Please see Appendix C for institution-specific reporting of small business lending by SBLF participants.

$1.8

$0.6 $0.3 $0.1

$8.1

$4.5

$1.9

$0.8

$0.0

$1.0

$2.0

$3.0

$4.0

$5.0

$6.0

$7.0

$8.0

$9.0

First Quartile

($12.0 - $81.7 Million)

Second Quartile

($6.2 - $12.0 Million)

Third Quartile

($3.0 - $6.2 Million)

Fourth Quartile

($3.0 Million or Less)

$ Billions

Quartiles by Dollar Amount of Funds Outstanding

SBLF Funds Outstanding Change in Small Business Lending over Baseline
8

If ranked and grouped by the dollar value of changes in small business lending, the top quartile of participants 

accounted for $10.6 billion of the gross reported increase in small business lending with $1.4 billion of SBLF funds 

outstanding. The following graph shows the change in small business lending over baseline levels across four equallysized groups of SBLF participants based on the dollar amount of their change in lending.

Increase in Small Business Lending by Dollar Amount of Lending Change

(Reported as of March 31, 2015)

$1.4

$0.7 $0.4 $0.2

$10.6

$3.2

$1.3

$0.2

$0.0

$2.0

$4.0

$6.0

$8.0

$10.0

$12.0

First Quartile

(Over $68.0 Million)

Second Quartile

($32.6 - $68.0 Million)

Third Quartile

($10.0 - $32.6 Million)

Fourth Quartile

($10.0 Million or Less)

$ in Billions

Quartiles by Dollar Amount of Change in Small Business Lending

SBLF Funds Outstanding Change in Small Business Lending over Baseline
9

Distribution of Small Business Lending Increases by Institution Size

Small business lending increased among groups of institutions of all sizes (as defined by total assets), with the largest 

aggregate increases in dollar value reported by the largest institutions.10 The largest institutions (defined as those

participants with more than $1.0 billion in total assets) increased small business lending by $4.2 billion while the 

smallest institutions (defined as those participants with less than $250 million in assets) increased small business 

lending by $4.1 billion. The following graph shows increases in small business lending over baseline levels and SBLF 

funds outstanding across four categories of institution size.

Increase in Small Business Lending by Institution Size

(Reported as of March 31, 2015)

 

10 In this report, institution size (including the size ranges in this graph and the segmentation of institutions) is based on the total assets

reported by banks as of March 31, 2011, the quarter immediately prior to Treasury’s first SBLF investment.

$0.6 $0.6 $0.7

$0.9

$4.1

$3.9

$3.2

$4.2

$0.0

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

$3.5

$4.0

$4.5

$7.0 - $249 Million

(n=149)

$250 - $499 Million

(n=61)

$500 - $999 Million

(n=36)

$1.0 - $6.4 Billion

(n=21)

$ in Billions

Size by Total Assets

SBLF Funds Outstanding Change in Small Business Lending over Baseline
10

Distribution of Small Business Lending Increases by Regional Geography

In each region of the country, SBLF participants reported aggregate increases in small business lending. Institutions in 

the Midwest reported the largest aggregate increase ($3.6 billion) with one of the larger shares of SBLF funds 

outstanding ($835 million). 

The following graph shows increases in small business lending over baseline levels and SBLF funds outstanding across 

six geographic regions. 11

Increase in Small Business Lending by Regional Geography

(Reported as of March 31, 2015)

 

11 In this report, the Midwest region includes: IA, IL, IN, KS, KY, MI, MN, MO, ND, NE, OH, SD, and WI. The Southwest region includes: AZ, CO, 

LA, NM, OK, TX, and UT. The Southeast region includes: AL, AR, FL, GA, MS, NC, TN, SC, VA, and WV. The Mid-Atlantic region includes: DC, DE, 

MD, NJ, NY, and PA. The West region includes: CA, ID, MT, NV, OR, WA, and WY. The Northeast region includes: CT, MA, ME, NH, RI, and VT.

$3.6 $3.6

$3.4

$2.1 $2.0

$0.7 $0.8

$0.6 $0.5 $0.4

$0.2 $0.1

$0.0

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

$3.5

$4.0

Midwest (n=80) Southwest

(n=40)

Southeast

(n=54)

Mid-Atlantic

(n=44)

West

(n=31)

Northeast

(n=18)

$ in Billions

Axis Title SBLF Funds Outstanding Change in Small Business Lending over Baseline
11

Based on the average loan size reported by participants in the August 2014 Results of the Second Annual Lending 

Survey, the $14.3 billion aggregate increase in small business lending represents an estimated 69,700 additional loans 

to small businesses.12 The following graph shows the estimated number of additional loans to small businesses by

regional geography.

Estimated Number of Additional Loans to Small Businesses by Regional Geography

(Reported as of March 31, 2015)

 

12 The number of additional small business loans is calculated by dividing each participant’s change in small business lending as of September 

30, 2014 by the average loan size the participant reported on its SBLF lending survey for the year ended June 30, 2013 and aggregating the 

resulting loan counts. The resulting aggregate is rounded to the nearest hundred loans.

7,300 

18,300 

2,200 

19,400 

17,200 

5,300 

Southwest

(n=40)

Southeast

(n=54)

Northeast 

(n=18)

Midwest 

(n=80)

Mid-Atlantic 

(n=44)

West

(n=30)
12

COMPARISON OF LENDING BY SBLF BANKS AND NON-SBLF BANK GROUPS

This section compares changes in business lending and other lending by SBLF banks relative to (i) a representative 

“peer group” of 398 community banks that were selected to match the specific size, geography, and financial 

condition of SBLF banks and (ii) a broader “comparison group” of all 5,647 similarly-sized community banks that are 

headquartered in the same states as SBLF banks and engaged in business lending. Please see Appendix A for 

additional information regarding the composition of the peer group and comparison group.13

SBLF banks have increased business lending by substantially greater amounts than both the peer and comparison

groups across median measures of size, geography, and loan type. SBLF banks also report a median increase in other 

(non-business related) types of lending, while both the peer group and comparison group show a smaller median 

increase in such lending. 

Overall Changes in Business Lending and Other Lending

Comparing the level of loans outstanding as of March 31, 2015 to their baseline levels, SBLF banks increased business 

lending by a median of 73.6 percent, versus a 23.1 percent median increase for the peer group and a 17.8 percent 

median increase for the comparison group. In addition to increasing business lending, SBLF banks increased other 

types of lending by a median of 55.5 percent over baseline levels, versus a median increase of 14.4 percent among 

the peer group and 6.0 percent among the comparison group. The following graph shows changes in business 

lending and other lending by SBLF banks, the peer group, and the comparison group.

Changes in Business Lending and Other Lending

(Reported as of March 31, 2015)

 

13 Treasury also used a statistical methodology called propensity score analysis to identify a peer group. This analysis of participant lending 

growth was performed for the quarter ending September 30, 2013. Consistent with the previously reported findings from the peer and 

comparison group analysis in the quarterly SBLF Lending Growth Reports, the results of this additional analysis suggested that the SBLF program 

supported increased business lending among program participants. The results of that analysis can be found at

http://www.treasury.gov/resource-center/sb-programs/Pages/sblf_transactions.aspx

73.6%

55.5%

23.1%

14.4%

17.8%

6.0%

-10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

Median Change in Lending by Loan Category 

Business Lending Other Lending

over Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
13

Distribution of Changes in Business Lending

A substantially greater percentage of SBLF banks than banks in the peer and comparison groups report significant 

increases in business lending. In total, 93 percent of banks participating in SBLF have increased their business lending 

by 10 percent or more versus 62 percent for the peer group and 57 percent for the comparison group. 28 percent of 

the peer group and 34 percent of the comparison group have reduced business lending versus 2 percent of SBLF bank

participants.

Distribution of Changes in Business Lending 

(Reported as of March 31, 2015)

SBLF banks increased business lending to a greater extent than both the peer and comparison groups as measured by 

the proportion of institutions reporting increases, as well as the percentage increases reported. SBLF banks 

increased business lending by a mean of 123 percent with a standard deviation of 121 percentage points.

14

 The peer

group of non-SBLF banks increased business lending by a mean of 46 percent with a standard deviation of 79

percentage points while the comparison group increased business lending by a mean of 32 percent with a standard 

deviation of 65 percentage points. 

 

14 The calculations of the mean and standard deviation for each group apply a 90 percent winsorization (i.e., all data below the fifth percentile is 

set to the value of the fifth percentile and all data above the 95th percentile is set to the value of the 95th percentile). Winsorization is a 

statistical transformation used to limit the effect of extreme values in a sample. The standard deviation is a measure of the variation of data 

points from their mean. In these results, the large standard deviations indicate that the percentage increases in business lending by SBLF banks 

and the peer and comparison groups are distributed over a large range of values and not concentrated around the mean. 

0% 1%

5% 4%

18%

72%

22%

7%

10% 10%

16%

36%

26%

8% 9% 9%

15%

33%

0%

10%

20%

30%

40%

50%

60%

70%

80%

10.0% or

Greater

Decrease

0.1% to 9.9%

Decrease

0.0% to 9.9%

Increase

10.0% to 19.9%

Increase

20.0% to 39.9%

Increase

40.0% or

Greater Increase

Population of Banks (%)

Change in Business Lending over Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
14

Changes in Business Lending by Regional Geography

In each region of the country, SBLF banks reported median increases in business lending while both the peer group 

and the comparison group reported smaller median increases. The following graph compares median changes in 

business lending by SBLF banks and the peer and comparison groups across six regions.

Changes in Business Lending by Regional Geography

(Reported as of March31, 2015)

66%

116%

101%

89%

68%

88%

74%

25% 33%

16%

27%

18%

24% 23%

19%

26%

5%

18% 15%

28%

18%

0%

20%

40%

60%

80%

100%

120%

140%

Midwest Southwest Southeast Mid-Atlantic West Northeast Overall

Median Change in Business Lending over 

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
15

Changes in Business Lending by Institution Size

Across nearly all ranges of institution size as defined by total assets, SBLF banks reported median increases in 

business lending. The peer group reported a slight median change in business lending increases across the majority of 

ranges of institution size, while the comparison group reported smaller median increases. The following graph 

compares median changes in business lending by SBLF banks and the peer and comparison groups across four 

categories of institution size.

Changes in Business Lending by Institution Size

(Reported as of March 31, 2015)

92%

69%

53%

80%

74%

19%

25% 25%

33%

23%

18% 19% 17% 21% 18%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

$7.0 - $249 Million $250 - $499

Million

$500 - $999

Million

Median Change in Business Lending over 

$1.0 - $6.4 Billion Overall

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group

Size by Total Assets
16

Changes in Business Lending by Loan Category

Across all of the four loan categories that comprise business lending, SBLF banks reported median increases in 

business lending while both the peer group and comparison group generally reported smaller median increases. The 

following graph compares median changes in business lending by SBLF banks and the peer and comparison bank 

groups across the four loan categories.

Changes in Business Lending by Loan Category

(Reported as of March 31, 2015)

72%

81%

55%

79%

74%

21% 21% 20%

26% 23%

10% 11%

18%

32%

18%

-10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Commercial &

Industrial

Owner Occupied

CRE

Agricultural

Production

Farmland Overall

Median Change in Loan Category over 

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
17

Changes in Business Lending by Financial Condition

Across all ranges of financial condition as measured by Texas ratio15, SBLF banks reported higher median increases in 

business lending than both the peer group and the comparison group. The following graph compares median 

changes in business lending by SBLF banks and the peer and comparison groups across four categories of Texas ratios.

Changes in Business Lending by Financial Condition

(Reported as of March 31, 2015)

 

15 The Texas ratio is used as a proxy for the financial condition of the institution, and is defined as the institution’s nonperforming assets plus

loans 90 days or more past due all divided by the institution’s tangible equity plus loan loss reserves.

114%

88%

59% 58%

74%

37%

25% 21%

11%

23% 29%

24% 18%

-3%

18%

-20%

0%

20%

40%

60%

80%

100%

120%

140%

Less than 10% 10.0% - 19.9% 20.0% - 29.9% 30% or Greater Overall

Median Change in Business Lending over 

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group

Texas Ratio
18

LENDING BY FORMER CAPITAL PURCHASE PROGRAM (CPP) PARTICIPANTS

The Act authorized Treasury to allow CPP participants that met certain requirements to refinance CPP investments 

into SBLF. In total, 137 institutions repaid a CPP investment in connection with an SBLF closing. These banks received 

$2.7 billion in SBLF funding and used $2.2 billion of this capital to repay outstanding CPP balances. This section of the 

report includes information on the 100 institutions that repaid a CPP investment in connection with an SBLF closing 

and continue to participate in the program.

Small Business Lending Increases by Former CPP Participants

In total, institutions that received CPP funding and refinanced these investments reported a $6.8 billion increase in 

small business lending over baseline levels, with a median increase of 39 percent. By comparison, these institutions

would have needed to increase small business lending by at least $1.9 billion in aggregate to achieve the maximum 

program incentive (as defined previously).

To date, 97 percent of institutions that refinanced CPP investments have increased their small business lending over 

baseline levels and 90 percent have increased their small business lending by 10 percent or more. Of the 3

institutions (3 percent) that report decreases in small business lending over baseline levels, one has increased lending 

in the period between the baseline and Treasury’s investment by the amount of $3.5 million.
19

Changes in Business Lending by Former CPP Participants

Banks that received CPP funding and refinanced these investments through SBLF reported a significant median 

increase in business lending following receipt of the initial CPP investments. These institutions also reported a 

median increase from the SBLF baseline period. 

SBLF banks that refinanced CPP funding reported a median increase in business lending of 70.9 percent since their 

initial receipt of CPP funding from Treasury. These participants also reported that their business lending has 

increased by a median of 56 percent since the baseline period. The peer group of non-SBLF banks reported a median 

increase in business lending of 26.7 percent since the reporting date following the CPP closings and the comparison 

group reported a median increase in business lending of 23.3 percent over the same period. Since the baseline 

period, the peer group has increased business lending by a median of 23.1 percent and the comparison group has 

increased business lending by 17.8 percent, as previously noted. Increases in business lending following the CPP 

investment prior to the baseline period would generally have the effect of increasing the reported baseline, thereby 

reducing the percentage increase in business lending reported since the baseline period.

Changes in Business Lending by Former CPP Participants16

(Reported as of March 31, 2015)

Dividend Rates Payable by Institutions that Refinanced CPP Investments

Institutions that refinance capital from CPP benefit from the dividend or interest rate incentive provided by SBLF only 

if they increase their small business lending over baseline levels. As of March 31, 2015, banks that refinanced CPP 

capital pay an average dividend or interest rate of 1.33 percent on SBLF funding, whereas other bank participants pay 

an average rate of 1.12 percent.17

 

16 For the 108 former CPP participants, the median increase in business lending reflected in the first column is measured from the first reporting 

date after each participant received its initial CPP capital to March 31, 2015. Because the median CPP refinance participant received this capital 

during the first quarter of 2009, the median increase in business lending for the peer and comparison groups is measured from March 31, 2009 

to March 31, 2015 for this calculation. This calculation excludes two SBLF participants that were former CPP participants but were 

subsequently acquired following the receipt of SBLF funding.

17 These figures are adjusted to account for differences in the rates paid by subchapter S corporations and mutual institutions.

70.9%

56.0%

26.7% 23.3% 23.1%

17.8%

0%

10%

20%

30%

40%

50%

60%

70%

80%

Change in Business Lending Since Initial Treasury

Investment

Change in Business Lending Since Baseline

Median Change in Business 

Lending since Initial and Baseline 

Levels (%)

CPP Refinance Participants Peer Group Comparison Group
20

APPENDICES

A. Report Methodology

B. Changes in Lending Since Initial SBLF Investments

C. Institution-Specific Reporting on Small Business Lending by SBLF Participants

D. Institution-Specific Reporting on Business Lending by SBLF Banks
21

APPENDIX A: REPORT METHODOLOGY

This report provides information on changes in small business lending, business lending, and other (non-business 

related) lending by SBLF participants as of March 31, 2015, relative to baseline levels. For each institution analyzed 

for this report, changes in lending are measured as the dollar value or percentage change, as noted, in lending 

between March 31, 2015 and the baseline period, unless otherwise specified. The baseline is calculated as the 

average of the applicable loan amounts that the institution reported for each of the four calendar quarters ended 

June 30, 2010.

Measurement of Small Business Lending

SBLF participants, which include banks and community development loan funds (CDLFs), report changes in small 

business lending by submitting quarterly reports to Treasury. This information is aggregated and presented in 

summary form in the “Increases in Small Business Lending Over Baseline Levels” section of this report. 

The Act defines “small business lending” as business loans that are (i) $10 million or less in amount to businesses with 

$50 million or less in revenue and (ii) included in one of the following categories:

• Commercial and industrial loans

• Owner-occupied nonfarm, nonresidential real estate loans (“owner-occupied CRE”)

• Loans to finance agricultural production and other loans to farmers (“agricultural production”)

• Loans secured by farmland (“farmland”)

The SBLF program terms provide for additional adjustments to the calculation of small business lending relating to 

net charge-offs and portions of loans guaranteed by the U.S. government or for which risk has been assumed by third 

parties, as well as mergers and acquisitions and purchases of loans.

Changes in small business lending are calculated as the difference between the level of loans outstanding as of March 

31, 2015 and the baseline amount. Participants report their baseline and changes in small business lending by 

submitting quarterly supplemental reports to Treasury. The most recent supplemental report includes lending 

information as of March 31, 2015. Participants are required to revise prior period submissions of small business 

lending data if inaccuracies are identified. Treasury publishes this updated information quarterly in its Report on 

SBLF Participants’ Small Business Lending Growth (previously titled the SBLF Use of Funds Report). This report 

includes restatements of prior period institution-specific information in the report appendices, which are also 

available in Microsoft Excel format. These resubmissions may yield minor differences in reporting, with each report 

including the most recent available data for the then-current period as well as all prior periods. Because the most 

recent information available for all periods is included in each quarterly report, Treasury does not generally revise 

prior period reports to reflect these resubmissions. 

When a SBLF participant exits the program, the associated changes to qualified small business lending are removed 

from the total qualified small business growth calculation in the quarter of redemption, as well as all future reporting 

periods. 

Institution-specific reporting on changes in small business lending by SBLF participants is presented in Appendix C. 
22

Measurement of Business Lending and Other Lending

This report provides information on changes in “business lending” and “other lending” by SBLF bank participants

relative to (i) a representative peer group of 398 community banks that were selected to match the specific size, 

geography, and financial condition of SBLF banks and (ii) a broader comparison group of all 5,647 similarly-sized 

community banks that are located in one of the 44 states in which SBLF banks are headquartered and that engaged in 

business lending. The report also analyzes changes in business lending for the subset of SBLF banks that refinanced 

into the program from Treasury’s Capital Purchase Program (CPP).

To obtain information regarding business and other lending by SBLF banks and the two non-SBLF bank groups, 

Treasury accessed information from SNL Financial, a private financial database that contains publicly-filed regulatory 

and financial reports. 

In contrast to small business lending, “business lending” refers to the same four categories of loans referenced in the 

definition of small business lending without exclusions for loans to businesses that are more than $10 million and 

loans to businesses with more than $50 million in revenue, and without the additional adjustments used in SBLF’s 

calculation of small business lending. Because the banks in the non-SBLF bank groups are not program participants

and do not report small business lending as defined by the program terms, this analysis uses business lending as

proxy for small business lending activities. Most business lending reported by SBLF banks qualifies as small business 

lending. For example, as of March 31, 2015, small business lending totaled 95.0 percent of business lending by dollar 

value for the median SBLF bank.

Changes in business and other lending are calculated as the difference between the level of loans outstanding as of 

March 31, 2015 and the baseline amount. The baseline is calculated as the average of the business loans outstanding 

that the institution reported for each of the four calendar quarters ended June 30, 2010. Changes in other lending 

are calculated based on the institution’s total loans and leases, including loans held for sale, less the amount of 

business loans outstanding.

For former CPP participants, this report includes a calculation of the median increase in business lending since they 

received their initial CPP investment in the “Lending by Former Capital Purchase Program (CPP) Participants” section. 

For this section, bank-specific changes in lending for this calculation are measured from the first quarterly reporting 

date after the bank received its initial CPP investment to March 31, 2015. This section also includes a calculation of 

the median increase in business lending by the non-SBLF bank groups from March 31, 2009 (the first reporting date 

after the median CPP participant received its initial CPP investment) to March 31, 2015.

As noted, the definition of “banks” in this report encompasses both banks and thrifts. Prior to March 31, 2012, many 

thrifts reported lending on Thrift Financial Reports (TFRs), rather than the Call Reports used by banks. Call Reports 

segment nonfarm, nonresidential real estate loans into separate owner-occupied and non-owner occupied 

categories, and only those loans classified as owner-occupied are eligible for inclusion in business lending. This 

distinction, however, is not readily accessible in TFR filings. To adjust for this difference, the analysis in this report 

calculates owner-occupied nonfarm, nonresidential real estate as a percentage of total nonfarm, nonresidential real 

estate as of March 31, 2012 for each thrift institution. The resulting percentage is applied to nonfarm, nonresidential 

real estate loan balances from TFRs filed prior to March 31, 2012, including those used in the calculation of baseline 

values. As of the quarter ended March 31, 2012, all banks, thrifts, and bank and thrift holding companies file Call 

Reports.
23

This comparative information will be updated periodically. Institution-specific reporting on changes in business 

lending by SBLF banks is presented in Appendix D. 

Calculation of Median Changes in Lending

In comparing SBLF banks to the non-SBLF bank groups, this report generally describes the median percentage change 

in lending. The median measure is used for these comparisons because it more closely describes the lending 

activities of the typical institution in each group than would a calculation of the arithmetic mean (which is subject to 

skew by outlying measures) or the weighted average (which is subject to concentration effects, given the distribution 

of institution asset sizes within the SBLF portfolio). Institutions that report a baseline value of zero for the relevant 

measure are excluded from the median calculation.

Selection of Non-SBLF Bank Comparison Group and Peer Group

In describing changes in business lending, this report compares the group of 222 banks that continue to participate in 

the SBLF program to a broad comparison group of non-SBLF banks and a representative peer group selected from the 

broader comparison group:

• Comparison Group. The comparison group is comprised of the 5,677 non-SBLF insured depository institutions 

that (i) were established prior to March 31, 2009, (ii) had total assets between $7.0 million and $6.4 billion (the 

range of total assets for SBLF banks) as of March 31, 2011, which is the end of the first quarter prior to SBLF 

banks receiving funding, (iii) are located in one of the 44 states in which SBLF banks are headquartered, and (iv) 

reported a positive amount of business lending in the baseline period. 

Each quarter, institutions are removed from the initial comparison group if they are merged into another 

institution or closed. As of March 31, 2015, a total of 740 institutions have been removed from the initial 6,417 

institution comparison group for these reasons. While the comparison group includes banks that share the 

aforementioned characteristics with SBLF banks, the selection criteria for the group does not imply that it has 

the same distribution with respect to size, geography, or financial condition as the portfolio of SBLF banks.

• Peer Group. The peer group is comprised of 398 non-SBLF insured depository institutions that share certain 

size, geographic, and financial characteristics with the group of SBLF bank participants.

For each SBLF participant bank, two peer banks were selected from the comparison group. The institutions 

selected were generally the two banks with the closest Texas ratios that were located within the same state 

and asset size category as the SBLF participant as of March 31, 2011 (the quarter immediately prior to 

Treasury’s first SBLF investment). The five categories of asset size in this analysis are (i) $7 to $99 million, (ii) 

$100 to $249 million, (iii) $250 to $499 million, (iv) $500 to $999 million, and (v) $1.0 to $6.4 billion. The Texas 

ratio is used as a proxy for the financial condition of the institution, and is defined as the institution’s 

nonperforming assets plus loans 90 days or more past due all divided by the institution’s tangible equity plus 

loan loss reserves. 

For example, an SBLF bank based in Ohio with $750 million in assets and a Texas ratio of 20 percent would be 

matched with the two, Ohio-based banks in the $500 to $999 million asset size category that have Texas ratios 

closest to 20 percent. 

In those instances in which SBLF banks have an overlapping peer bank, the same peer is not used in the peer 

group more than once. Instead, the peer is assigned to the SBLF bank with the closest Texas ratio and the other 

SBLF bank is assigned to its next closest peer. 
24

Peer institutions were selected as of March 31, 2011. This analysis removes institutions from the peer group if 

(i) the corresponding SBLF bank fully redeems its SBLF securities and exits the program or (ii) in the case of the 

acquisition of the peer, its merger into another institution, or closure. As of March 31, 2015, a total of 93

institutions have been removed from the peer group as a result of SBLF participants exiting the program and 35

have been removed as a result of mergers or acquisitions of the peer institutions.

The following table is a summary of the size, Texas ratio, and geographic distribution of SBLF bank participants, the 

peer group, and the comparison group.
25

APPENDIX B: CHANGES IN LENDING SINCE INITIAL SBLF INVESTMENTS

The table on this page includes the aggregate increases in qualified small business lending by participants since the 

initial SBLF investments.

18

 Additionally, it shows quarter-over-quarter changes in the number of participants 

reporting lending in the five ranges of small business loan growth that correspond to various dividend or interest 

rates payable on SBLF securities. Please see Appendix D for institution-specific reporting of small business lending by 

SBLF participants.

 

18 In this analysis, the point of SBLF investment is defined as Q3 2011 and is measured as the change in lending between September 30, 2011 

and September 30, 2014. The first four of Treasury’s investments in SBLF participants were made in the quarter ended June 30, 2011, with all 

subsequent investments made in the quarter ended September 30, 2011. 
26

The table on this page includes results for the SBLF banks, peer group, and comparison group for business lending 

since the initial SBLF investments. The information reported herein is based on Call Report data from December 2013 

and the methodology described in Appendix A.
27

APPENDIX C: INSTITUTION-SPECIFIC REPORTING ON SMALL BUSINESS LENDING BY SBLF 

PARTICIPANTS
Institutions Participating in SBLF

Report on Information from 3/31/2015 Quarterly Supplemental Reports transmitted with July 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Southern States Bancshares, Inc. Anniston AL Bank 7,492,000 53,588,000 90,758,000 37,170,000 

ServisFirst Bancshares, Inc. Birmingham AL Bank 40,000,000 709,662,000 1,747,675,000 1,038,013,000 

BancIndependent, Incorporated Sheffield AL Bank 30,000,000 241,790,000 325,295,000 83,505,000 

First Partners Bank (SouthCity Bank) Vestavia Hills AL Bank 5,200,000 39,071,000 59,358,000 20,287,000 

Rock Bancshares, Inc. Little Rock AR Bank 6,742,000 56,208,000 104,878,000 48,670,000 

Simmons First National Corporation (Community First Bancshares, Inc.) Little Rock AR Bank 30,852,000 1,546,842,000 1,547,787,000 945,000 

Western Alliance Bancorporation Phoenix AZ Bank 70,500,000 1,644,383,000 1,795,466,000 151,083,000 

First Northern Community Bancorp Dixon CA Bank 12,847,000 225,762,000 266,509,000 40,747,000 

Community Valley Bank El Centro CA Bank 1,800,000 13,645,000 48,367,000 34,722,000 CU Bancorp (1st Enterprise Bank) Encino CA Bank 16,400,000 340,835,000 716,295,000 375,460,000 Redwood Capital Bancorp Eureka CA Bank 7,310,000 46,088,000 64,741,000 18,653,000 

Banc of California, Inc. (First PacTrust Bancorp, Inc.) Irvine CA Bank 42,000,000 568,663,000 821,688,000 253,025,000 

Silvergate Capital Corporation La Jolla CA Bank 7,427,000 9,115,000 14,682,000 5,567,000 

California Bank of Commerce Lafayette CA Bank 11,000,000 73,565,000 227,819,000 154,254,000 

ProAmérica Bank (Promérica Bank) Los Angeles CA Bank 3,750,000 43,274,000 57,174,000 13,900,000 

GBC Holdings, Inc. Los Angeles CA Bank 5,000,000 81,993,000 99,500,000 17,507,000 Partners Bank of California Mission Viejo CA Bank 2,463,000 54,729,000 56,198,000 1,469,000 Bank of Commerce Holdings Redding CA Bank 20,000,000 200,059,000 265,465,000 65,406,000 

Security California Bancorp Riverside CA Bank 7,200,000 164,981,000 257,116,000 92,135,000 

Seacoast Commerce Banc Holdings (Seacoast Commerce Bank) San Diego CA Bank 4,000,000 45,347,000 127,535,000 82,188,000 

Capital Bank San Juan Capistrano CA Bank 3,132,000 16,458,000 93,727,000 77,269,000 Founders Bancorp San Luis Obispo CA Bank 4,178,000 35,399,000 45,074,000 9,675,000 

The Bank of Santa Barbara Santa Barbara CA Bank 1,882,380 22,776,000 55,339,000 32,563,000 

Summit State Bank Santa Rosa CA Bank 13,750,000 82,734,000 112,407,000 29,673,000 

Columbine Capital Corp. Buena Vista CO Bank 6,050,000 44,150,000 86,566,000 42,416,000 

CIC Bancshares, Inc. Denver CO Bank 1,772,000 87,266,000 149,354,000 62,088,000 

CoBiz Financial Inc. Denver CO Bank 57,366,000 744,624,000 839,460,000 94,836,000 

Verus Acquisition Group, Inc. Fort Collins CO Bank 9,740,000 66,000,000 69,352,000 3,352,000 

Morgan Capital Corporation Fort Morgan CO Bank 3,250,000 27,381,000 37,525,000 10,144,000 

Salisbury Bancorp, Inc. Lakeville CT Bank 16,000,000 208,120,000 250,751,000 42,631,000 

Bankwell Financial Group, Inc. (BNC Financial Group, Inc.) New Canaan CT Bank 10,980,000 78,178,000 263,117,000 184,939,000 

SBT Bancorp, Inc. Simsbury CT Bank 9,000,000 34,899,000 57,976,000 23,077,000 

Community Bank Delaware Lewes DE Bank 4,500,000 32,823,000 43,743,000 10,920,000 

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Bank 13,800,000 166,747,000 215,839,000 49,092,000 

Marquis Bank Coral Gables FL Bank 3,500,000 11,273,000 54,137,000 42,864,000 

FineMark Holdings, Inc. Fort Myers FL Bank 5,665,000 25,709,000 93,262,000 67,553,000 

Stonegate Bank (Florida Shores Bancorp, Inc.) Ft. Lauderdale FL Bank 12,750,000 479,663,000 568,353,000 88,690,000 

Community Southern Holdings, Inc. (Community Southern Bank) Lakeland FL Bank 5,700,000 28,611,000 74,218,000 45,607,000 

Bank of Central Florida Lakeland FL Bank 7,000,000 65,574,000 127,134,000 61,560,000 

Ovation Holdings, Inc. Naples FL Bank 5,000,000 30,742,000 48,835,000 18,093,000 

Jefferson Bankshares, Inc. (Jefferson Bank of Florida) Oldsmar FL Bank 3,367,000 14,704,000 48,496,000 33,792,000 

HomeBancorp, Inc. Tampa FL Bank 7,398,000 12,298,000 27,928,000 15,630,000 Florida Business BancGroup, Inc. Tampa FL Bank 15,360,000 99,980,000 167,950,000 67,970,000 

Resurgens Bancorp Atlanta GA Bank 2,967,000 18,065,000 30,798,000 12,733,000 

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 
Institutions Participating in SBLF

Report on Information from 3/31/2015 Quarterly Supplemental Reports transmitted with July 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

United Community Banks, Inc. (Moneytree Corporation) Blairsville GA Bank 9,992,000 69,543,000 76,065,000 6,522,000 

The Peoples Bank of Talbotton Talbotton GA Bank 890,000 5,943,000 10,434,000 4,491,000 

Lowndes Bancshares, Inc. Valdosta GA Bank 6,000,000 41,214,000 46,764,000 5,550,000 Heartland Financial USA, Inc. Dubuque IA Bank 81,698,000 1,427,283,000 1,629,256,000 201,973,000 

Liberty Financial Services, Inc. Sioux City IA Bank 7,000,000 67,844,000 118,715,000 50,871,000 

Commercial Financial Corp Storm Lake IA Bank 18,000,000 251,677,000 305,113,000 53,436,000 

D.L. EVANS BANCORP Burley ID Bank 14,891,000 380,372,000 405,503,000 25,131,000 

Southern Illinois Bancorp, Inc. Carmi IL Bank 6,750,000 93,472,000 137,837,000 44,365,000 

First Busey Corporation Champaign IL Bank 72,664,000 572,525,000 712,107,000 139,582,000 

United Community Bancorp, Inc. Chatham IL Bank 22,262,000 330,565,000 404,750,000 74,185,000 

Signature Bancorporation, Inc. Chicago IL Bank 12,500,000 123,830,000 237,010,000 113,180,000 

Illinois State Bancorp, Inc. Chicago IL Bank 13,368,000 60,188,000 84,436,000 24,248,000 

Prime Banc Corp. Dieterich IL Bank 10,000,000 98,284,000 197,027,000 98,743,000 

First Eldorado Bancshares, Inc. Eldorado IL Bank 3,000,000 41,312,000 99,339,000 58,027,000 

First Community Financial Corporation Elgin IL Bank 6,100,000 32,801,000 35,910,000 3,109,000 

Community First Bancorp, Inc. Fairview Heights IL Bank 7,000,000 52,195,000 84,876,000 32,681,000 

Merchants and Manufacturers Bank Corporation Joliet IL Bank 6,800,000 57,311,000 89,111,000 31,800,000 

Tri‐County Financial Group, Inc. Mendota IL Bank 20,000,000 161,867,000 271,876,000 110,009,000 

Bancorp Financial, Inc. Oak Brook IL Bank 14,643,000 14,912,000 43,326,000 28,414,000 

People First Bancshares, Inc. Pana IL Bank 9,198,000 129,986,000 169,532,000 39,546,000 

First Bankers Trustshares, Inc. Quincy IL Bank 10,000,000 152,920,000 194,133,000 41,213,000 

Community Illinois Corporation Rock Falls IL Bank 4,500,000 78,909,000 95,438,000 16,529,000 

Town and Country Financial Corporation Springfield IL Bank 5,000,000 91,149,000 131,626,000 40,477,000 

First Savings Financial Group, Inc. Clarksville IN Bank 17,120,000 58,334,000 93,144,000 34,810,000 

Horizon Bancorp Michigan City IN Bank 12,500,000 224,567,000 281,509,000 56,942,000 

AMB Financial Corp. Munster IN Bank 3,858,000 24,094,000 32,075,000 7,981,000 Community Bank Shares of Indiana, Inc. New Albany IN Bank 28,000,000 260,928,000 325,156,000 64,228,000 

Bern Bancshares, Inc. Bern KS Bank 1,500,000 23,043,000 34,672,000 11,629,000 

Brotherhood Bancshares, Inc. Kansas City KS Bank 4,000,000 55,235,000 33,907,000                        

(21,328,000) 

UBT Bancshares, Inc. Marysville KS Bank 16,500,000 158,278,000 261,186,000 102,908,000 

Osborne Investments, Inc. Osborne KS Bank 1,000,000 14,215,000 27,715,000 13,500,000 

Freedom Bancshares, Inc. Overland Park KS Bank 4,000,000 31,191,000 39,516,000 8,325,000 Equity Bancshares, Inc. Wichita KS Bank 16,372,000 274,732,000 352,195,000 77,463,000 

Magnolia Bancshares Inc. Hodgenville KY Bank 2,000,000 30,631,000 52,256,000 21,625,000 

FCB Bancorp, Inc. Louisville KY Bank 9,759,000 78,649,000 83,211,000 4,562,000 First Guaranty Bancshares, Inc. Hammond LA Bank 39,435,000 186,883,000 251,668,000 64,785,000 

MidSouth Bancorp, Inc. LaFayette LA Bank 32,000,000 401,918,000 591,295,000 189,377,000 

Progressive Bancorp, Inc. Monroe LA Bank 12,000,000 104,272,000 167,498,000 63,226,000 

Ouachita Bancshares Corp. Monroe LA Bank 17,930,000 142,925,000 193,527,000 50,602,000 

First NBC Bank Holding Company New Orleans LA Bank 37,935,000 370,388,000 600,423,000 230,035,000 

Community Trust Financial Corporation Ruston LA Bank 48,260,000 386,361,000 724,624,000 338,263,000 

Provident Bancorp, Inc. Amesbury MA Bank 17,145,000 84,302,000 172,448,000 88,146,000 

Leader Bancorp, Inc. Arlington MA Bank 12,852,000 30,398,000 76,506,000 46,108,000 

Island Bancorp, Inc. Edgartown MA Bank 2,000,000 23,581,000 37,424,000 13,843,000 
Institutions Participating in SBLF

Report on Information from 3/31/2015 Quarterly Supplemental Reports transmitted with July 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

New England Bancorp, Inc. Hyannis MA Bank 4,000,000 46,716,000 71,911,000 25,195,000 

StonehamBank, A Co‐operative Bank Stoneham MA Bank 10,359,750 46,880,000 113,871,000 66,991,000 

Monument Bank (MD) Bethesda MD Bank 5,675,000 34,983,000 67,136,000 32,153,000 

Eagle Bancorp, Inc. Bethesda MD Bank 71,900,000 588,762,000 910,102,000 321,340,000 

Howard Bancorp, Inc. Ellicott City MD Bank 12,562,000 174,762,000 252,755,000 77,993,000 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Bank 4,621,000 33,793,000 61,287,000 27,494,000 

Level One Bancorp, Inc. Farmington Hills MI Bank 11,301,000 131,388,000 311,169,000 179,781,000 

Huron Valley State Bank Milford MI Bank 2,597,000 21,470,000 48,542,000 27,072,000 

Valley Financial Group, Ltd. Saginaw MI Bank 1,000,000 73,968,000 97,949,000 23,981,000 

Crestmark Bancorp, Inc. Troy MI Bank 8,250,000 198,199,000 421,773,000 223,574,000 MidWest Bancorporation, Inc. Eden Prairie MN Bank 5,115,000 71,952,000 106,517,000 34,565,000 

Financial Services of Winger, Inc. Fosston MN Bank 3,051,000 60,984,000 104,044,000 43,060,000 

Kerkhoven Bancshares, Inc Kerkhoven MN Bank 1,500,000 24,950,000 39,485,000 14,535,000 

Platinum Bancorp, Inc. Oakdale MN Bank 4,453,000 44,920,000 54,529,000 9,609,000 

Redwood Financial, Inc. Redwood Falls MN Bank 6,425,000 53,010,000 90,008,000 36,998,000 

McLeod Bancshares, Inc. Shorewood MN Bank 4,000,000 64,344,000 49,806,000                        

(14,538,000) 

Heritage Bancshares Group, Inc. Willmar MN Bank 11,000,000 149,302,000 203,357,000 54,055,000 

Fortune Financial Corporation Arnold MO Bank 3,255,000 46,918,000 50,797,000 3,879,000 Security State Bancshares, Inc. Charleston MO Bank 22,000,000 178,876,000 264,040,000 85,164,000 

Triad Bancorp, Inc. Frontenac MO Bank 5,000,000 30,753,000 65,430,000 34,677,000 

Liberty Bancorp, Inc. Liberty MO Bank 16,169,000 114,583,000 119,471,000 4,888,000 

Southern Missouri Bancorp, Inc. Poplar Bluff MO Bank 20,000,000 248,276,000 296,814,000 48,538,000 

Great Southern Bancorp, Inc. Springfield MO Bank 57,943,000 249,729,000 388,186,000 138,457,000 

Cardinal Bancorp II, Inc. Washington MO Bank 6,251,000 62,590,000 77,025,000 14,435,000 

Bancorp of Montana Holding Company Missoula MT Bank 1,460,000 3,332,000 13,747,000 10,415,000 

Premara Financial, Inc. Charlotte NC Bank 6,238,000 58,881,000 66,464,000 7,583,000 

Select Bancorp, Inc. Dunn NC Bank 7,645,000 150,180,000 195,498,000 45,318,000 

Union Bank & Trust Company Oxford NC Bank 6,200,000 38,779,000 59,548,000 20,769,000 

Providence Bank Rocky Mount NC Bank 4,250,000 32,074,000 37,814,000 5,740,000 First Bancorp Troy NC Bank 63,500,000 496,528,000 625,653,000 129,125,000 

Live Oak Bancshares, Inc. Wilmington NC Bank 6,800,000 53,679,000 307,089,000 253,410,000 

Western State Agency, Inc. Devils Lake ND Bank 12,000,000 154,511,000 327,554,000 173,043,000 

Alerus Financial Corporation Grand Forks ND Bank 20,000,000 299,876,000 457,589,000 157,713,000 

The State Bank of Bartley Bartley NE Bank 2,380,000 29,743,000 44,929,000 15,186,000 

Banner County Ban Corporation Harrisburg NE Bank 2,427,000 50,318,000 74,016,000 23,698,000 

First State Holding Co. (Wilber Co.) Lincoln NE Bank 12,000,000 146,500,000 194,965,000 48,465,000 

Adbanc Inc. Ogallala NE Bank 15,000,000 250,743,000 344,612,000 93,869,000 

Northway Financial, Inc. Berlin NH Bank 23,593,000 109,533,000 123,401,000 13,868,000 

First Colebrook Bancorp, Inc. Colebrook NH Bank 8,623,000 61,976,000 84,497,000 22,521,000 

Lake Sunapee Bank Group (New Hampshire Thrift Bancshares, Inc.) Newport NH Bank 8,000,000 177,414,000 249,302,000 71,888,000 

Guaranty Bancorp, Inc. Woodsville NH Bank 7,000,000 75,321,000 98,953,000 23,632,000 

ConnectOne Bancorp Inc. (Center Bancorp, Inc.) Englewood Cliffs NJ Bank 11,250,000 557,777,000 616,786,000 59,009,000 

Harmony Bank Jackson NJ Bank 3,500,000 15,897,000 55,404,000 39,507,000 Regal Bank Livingston NJ Bank 7,000,000 25,872,000 39,798,000 13,926,000 
Institutions Participating in SBLF

Report on Information from 3/31/2015 Quarterly Supplemental Reports transmitted with July 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

Freedom Bank Maywood NJ Bank 4,000,000 32,445,000 62,756,000 30,311,000 

Stewardship Financial Corporation Midland Park NJ Bank 15,000,000 207,925,000 226,715,000 18,790,000 

Hopewell Valley Community Bank Pennington NJ Bank 11,000,000 92,334,000 141,561,000 49,227,000 

Two River Bancorp (Community Partners Bancorp) Tinton Falls NJ Bank 6,000,000 173,978,000 241,887,000 67,909,000 

Highlands Bancorp, Inc. Vernon NJ Bank 6,853,000 33,899,000 100,977,000 67,078,000 

Crest Savings Bancorp, Inc. Wildwood NJ Bank 2,500,000 23,276,000 25,849,000 2,573,000 

Meadows Bank Las Vegas NV Bank 8,500,000 47,672,000 172,029,000 124,357,000 

Alma Bank Astoria NY Bank 19,000,000 91,798,000 309,482,000 217,684,000 Kinderhook Bank Corp. Kinderhook NY Bank 7,000,000 49,892,000 77,009,000 27,117,000 

Pathfinder Bancorp, Inc. Oswego NY Bank 13,000,000 70,953,000 142,466,000 71,513,000 Greater Rochester Bancorp, Inc. Rochester NY Bank 7,000,000 58,822,000 141,795,000 82,973,000 

Catskill Hudson Bancorp, Inc. Rock Hill NY Bank 9,681,000 115,149,000 152,905,000 37,756,000 

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Bank 5,000,000 28,494,000 37,300,000 8,806,000 

Community Independent Bancorp Inc. West Salem OH Bank 2,250,000 12,020,000 20,358,000 8,338,000 

Columbus First Bancorp, Inc Worthington OH Bank 6,150,000 36,629,000 61,542,000 24,913,000 

AmeriBank Holding Company Collinsville OK Bank 5,347,000 33,172,000 70,843,000 37,671,000 Prime Bank Group Edmond OK Bank 4,456,000 20,960,000 56,567,000 35,607,000 

Central Service Corporation Enid OK Bank 4,250,000 148,029,000 237,596,000 89,567,000 

Regent Capital Corporation Nowata OK Bank 3,350,000 52,719,000 79,558,000 26,839,000 

Enterprise Financial Services Group, Inc. Allison Park PA Bank 5,000,000 87,306,000 98,879,000 11,573,000 

CBT Financial Corp. Clearfield PA Bank 10,000,000 64,719,000 110,076,000 45,357,000 

DNB Financial Corporation Downingtown PA Bank 3,250,000 126,464,000 150,245,000 23,781,000 

Monument Bank (PA) Doylestown PA Bank 2,970,000 19,715,000 47,584,000 27,869,000 

MileStone Bank Doylestown PA Bank 5,100,000 46,778,000 122,702,000 75,924,000 Emclaire Financial Corp. Emlenton PA Bank 5,000,000 56,761,000 68,766,000 12,005,000 

First Resource Bank Exton PA Bank 5,083,000 32,586,000 56,676,000 24,090,000 

Centric Financial Corporation Harrisburg PA Bank 7,492,000 51,985,000 101,917,000 49,932,000 

AmeriServ Financial, Inc. Johnstown PA Bank 21,000,000 116,684,000 183,440,000 66,756,000 

Jonestown Bank and Trust Company Jonestown PA Bank 4,000,000 40,820,000 61,867,000 21,047,000 

The Victory Bancorp, Inc. Limerick PA Bank 3,431,000 29,341,000 67,907,000 38,566,000 Mid Penn Bancorp, Inc. (Phoenix Bancorp, Inc.) Millersburg PA Bank 1,750,000 46,934,000 231,778,000 184,844,000 

Penn Liberty Financial Corp. Wayne PA Bank 20,000,000 137,151,000 187,223,000 50,072,000 

Codorus Valley Bancorp, Inc. York PA Bank 12,000,000 173,982,000 294,921,000 120,939,000 

GrandSouth Bancorporation Greenville SC Bank 7,922,000 92,718,000 132,280,000 39,562,000 

TCB Corporation Greenwood SC Bank 8,640,000 56,579,000 74,139,000 17,560,000 

Carolina Alliance Bank Spartanburg SC Bank 5,000,000 98,693,000 140,780,000 42,087,000 

BHCB Holding Company Rapid City SD Bank 2,000,000 34,581,000 66,709,000 32,128,000 

Merchants and Planters Bancshares, Inc. Bolivar TN Bank 1,000,000 19,097,000 17,869,000                          

(1,228,000) 

CapitalMark Bank & Trust Chattanooga TN Bank 18,212,000 134,549,000 378,711,000 244,162,000 

Planters Financial Group, Inc. Clarksville TN Bank 20,000,000 135,095,000 176,477,000 41,382,000 

Landmark Community Bank Collierville TN Bank 8,000,000 29,713,000 68,507,000 38,794,000 Evolve Bancorp, Inc. Cordova TN Bank 4,699,000 19,101,000 97,599,000 78,498,000 

Franklin Financial Network, Inc. Franklin TN Bank 10,000,000 86,339,000 181,498,000 95,159,000 

Sumner Bank & Trust Gallatin TN Bank 934,000 27,039,000 29,762,000 2,723,000 
Institutions Participating in SBLF

Report on Information from 3/31/2015 Quarterly Supplemental Reports transmitted with July 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

Carroll Financial Services, Inc. Huntingdon TN Bank 3,000,000 61,317,000 83,783,000 22,466,000 

Magna Bank Memphis TN Bank 18,350,000 66,785,000 74,756,000 7,971,000 Independent Holdings, Inc. Memphis TN Bank 34,900,000 44,702,000 78,879,000 34,177,000 

InsCorp, Inc. Nashville TN Bank 3,000,000 27,512,000 69,615,000 42,103,000 SmartFinancial, Inc. Pigeon Forge TN Bank 12,000,000 37,009,000 93,379,000 56,370,000 

Liberty Capital Bancshares, Inc. Addison TX Bank 1,500,000 16,656,000 52,257,000 35,601,000 

Happy Bancshares, Inc. Amarillo TX Bank 31,929,000 434,816,000 750,587,000 315,771,000 

Frontier Bancshares, Inc. Austin TX Bank 6,184,000 65,133,000 226,805,000 161,672,000 

Southwestern Bancorp, Inc. Boerne TX Bank 150,000 22,454,000 32,434,000 9,980,000 

BMC Bancshares, Inc. Dallas TX Bank 1,206,000 8,021,000 13,341,000 5,320,000 

Veritex Holdings, Inc. Dallas TX Bank 8,000,000 100,919,000 250,427,000 149,508,000 

Sovereign Bancshares, Inc. Dallas TX Bank 24,500,000 183,263,000 268,228,000 84,965,000 

Pioneer Bank, SSB Drippings Springs TX Bank 3,004,000 33,150,000 92,798,000 59,648,000 First Texas BHC, Inc. Fort Worth TX Bank 29,822,000 137,852,000 266,298,000 128,446,000 

Third Coast Bancshares, Inc. (Third Coast Bank SSB) Humble TX Bank 8,673,000 58,535,000 180,909,000 122,374,000 

Joaquin Bankshares Inc. Huntington TX Bank 3,908,000 40,722,000 49,974,000 9,252,000 AIM Bancshares, Inc. Levelland TX Bank 9,100,000 107,572,000 273,481,000 165,909,000 Independent Bank Group, Inc. (BOH Holdings, Inc.) McKinney TX Bank 23,938,350 770,748,000 1,031,661,000 260,913,000 

Vista Bancshares, Inc. (McLaughlin Bancshares, Inc.) Ralls TX Bank 6,600,000 47,152,000 82,188,000 35,036,000 

FB BanCorp San Antonio TX Bank 12,000,000 39,335,000 129,046,000 89,711,000 

The ANB Corporation Terrell TX Bank 37,000,000 402,694,000 536,161,000 133,467,000 

Steele Holdings, Inc. Tyler TX Bank 8,282,000 31,142,000 51,644,000 20,502,000 

Cache Valley Banking Company Logan UT Bank 11,670,000 218,868,000 342,744,000 123,876,000 

LCA Bank Corporation Park City UT Bank 2,727,000 14,000 2,617,000 2,603,000 

Medallion Bank Salt Lake City UT Bank 26,303,000 233,231,000 397,301,000 164,070,000 

Blue Ridge Bankshares, Inc. Luray VA Bank 4,500,000 18,920,000 32,565,000 13,645,000 

Heritage Bankshares, Inc. Norfolk VA Bank 7,800,000 68,967,000 85,377,000 16,410,000 

WashingtonFirst Bankshares, Inc. Reston VA Bank 8,898,000 217,686,000 334,493,000 116,807,000 

Xenith Bankshares, Inc. Richmond VA Bank 8,381,000 98,587,000 246,127,000 147,540,000 

Citizens Community Bank South Hill VA Bank 4,000,000 38,520,000 47,886,000 9,366,000 

Puget Sound Bank Bellevue WA Bank 9,886,000 118,093,000 179,988,000 61,895,000 

U&I Financial Corp Lynnwood WA Bank 5,500,000 39,884,000 57,917,000 18,033,000 

W.T.B. Financial Corporation Spokane WA Bank 19,571,000 878,103,000 1,183,551,000 305,448,000 

Deerfield Financial Corporation Deerfield WI Bank 3,650,000 21,564,000 24,040,000 2,476,000 Nicolet Bankshares, Inc. Green Bay WI Bank 24,400,000 371,324,000 435,285,000 63,961,000 

Sword Financial Corporation Horicon WI Bank 17,000,000 205,125,000 291,153,000 86,028,000 

First American Investment, Inc. Hudson WI Bank 1,705,710 39,254,000 44,885,000 5,631,000 

County Bancorp, Inc. Manitowoc WI Bank 15,000,000 379,555,000 479,769,000 100,214,000 

Northern Bankshares, Inc. McFarland WI Bank 22,000,000 138,447,000 159,155,000 20,708,000 

First Menasha Bancshares, Inc. Neenah WI Bank 10,000,000 65,519,000 117,901,000 52,382,000 

PFSB Bancorporation, Inc. Pigeon Falls WI Bank 1,500,000 26,844,000 30,595,000 3,751,000 First Bank of Charleston Inc. Charleston WV Bank 3,345,000 24,923,000 29,301,000 4,378,000 

MVB Financial Corp. Fairmont WV Bank 8,500,000 70,057,000 155,091,000 85,034,000 

OBDC Small Business Finance Oakland CA CDLF 219,000 2,473,000 6,094,000 3,621,000 
Institutions Participating in SBLF

Report on Information from 3/31/2015 Quarterly Supplemental Reports transmitted with July 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

California Coastal Rural Development Corporation Salinas CA CDLF 870,000 9,545,000 10,844,000 1,299,000 Low Income Investment Fund San Francisco CA CDLF 7,490,000 26,595,000 83,967,000 57,372,000 

Opportunity Fund Northern California San Jose CA CDLF 2,236,000 5,935,000 30,858,000 24,923,000 

Valley Economic Development Center, Inc. Van Nuys CA CDLF 661,000 11,450,000 35,264,000 23,814,000 

Rural Community Assistance Corporation West Sacramento CA CDLF 4,300,000 6,104,000 6,953,000 849,000 

Colorado Enterprise Fund, Inc. Denver CO CDLF 463,000 5,721,000 12,580,000 6,859,000 

Greater New Haven Community Loan Fund New Haven CT CDLF 525,000 758,000 3,077,000 2,319,000 

Partners for the Common Good, Inc. Washington DC CDLF 1,009,000 4,888,000 5,970,000 1,082,000 

BUILDING HOPE...A CHARTER SCHOOL FACILITIES FUND Washington DC CDLF 2,091,000 23,190,000 37,669,000 14,479,000 

Access to Capital for Entrepreneurs, Inc. (Appalachian Community EnterpCleveland GA CDLF 188,000 2,773,000 15,359,000 12,586,000 

IFF Chicago IL CDLF 8,294,000 108,261,000 152,212,000 43,951,000 

Federation of Appalachian Housing Enterprises, Inc. Berea KY CDLF 2,063,000 4,137,000 9,916,000 5,779,000 

Community Ventures Corporation Lexington KY CDLF 1,045,000 3,451,000 14,049,000 10,598,000 

Community Health Center Capital Fund, Inc. (Capital Link, Inc.) Boston MA CDLF 198,000 1,420,000 7,849,000 6,429,000 

Common Capital, Inc. (The Western Massachusetts Enterprise Fund, Inc.Holyoke MA CDLF 200,000 3,526,000 4,475,000 949,000 

Boston Community Loan Fund, Inc. Roxbury MA CDLF 4,410,000 11,378,000 31,335,000 19,957,000 

Enterprise Community Loan Fund, Inc. Columbia MD CDLF 8,817,000 8,849,000 24,329,000 15,480,000 

Coastal Enterprises, Inc. Wiscasset ME CDLF 2,316,000 17,640,000 30,871,000 13,231,000 Nonprofits Assistance Fund Minneapolis MN CDLF 686,000 6,979,000 14,539,000 7,560,000 

Community Reinvestment Fund, Inc. Minneapolis MN CDLF 5,100,000 43,655,000 42,108,000                          

(1,547,000) 

Montana Community Development Corporation Missoula MT CDLF 585,000 9,345,000 15,426,000 6,081,000 Mountain BizCapital, Inc. Asheville NC CDLF 197,000 1,791,000 3,584,000 1,793,000 

Nebraska Enterprise Fund Oakland NE CDLF 197,000 1,454,000 6,121,000 4,667,000 

Leviticus 25:23 Alternative Fund, Inc. Elmsford NY CDLF 750,000 2,218,000 3,798,000 1,580,000 

TruFund Financial Services (Seedco Financial Services, Inc.) New York NY CDLF 2,500,000 33,651,000 33,138,000                             

(513,000) 

Primary Care Development Corporation New York NY CDLF 4,000,000 33,280,000 21,816,000                        

(11,464,000) 

Economic and Community Development Institute, Inc. Columbus OH CDLF 203,000 2,728,000 11,825,000 9,097,000 

Citizen Potawatomi Community Development Corporation Shawnee OK CDLF 490,000 6,505,000 11,154,000 4,649,000 

The Progress Fund Greensburg PA CDLF 1,052,000 12,109,000 23,900,000 11,791,000 

Community First Fund Lancaster PA CDLF 862,000 11,002,000 23,962,000 12,960,000 

The Reinvestment Fund, Inc. Philadelphia PA CDLF 11,708,000 113,268,000 184,276,000 71,008,000 

Northside Community Development Fund Pittsburgh PA CDLF 250,000 2,190,000 3,274,000 1,084,000 

Bridgeway Capital, Inc. Pittsburgh PA CDLF 1,820,000 18,674,000 28,601,000 9,927,000 

Charleston Citywide Local Development Corporation Charleston SC CDLF 1,000,000 1,799,000 3,154,000 1,355,000 

South Carolina Community Loan Fund (Lowcountry Housing Trust, IncorpNorth Charleston SC CDLF 392,000 96,000 2,607,000 2,511,000 

Rural Electric Economic Development, Inc. Madison SD CDLF 1,230,000 11,116,000 11,527,000 411,000 

South Eastern Development Foundation Sioux Falls SD CDLF 240,000 2,486,000 5,401,000 2,915,000 Northeast South Dakota Economic Corporation Sisseton SD CDLF 1,000,000 11,758,000 13,946,000 2,188,000 CEN‐TEX Certified Development Corporation Austin TX CDLF 489,000 3,435,000 7,106,000 3,671,000 PeopleFund Austin TX CDLF 500,000 6,412,000 9,612,000 3,200,000 ECDC Enterprise Development Group Arlington VA CDLF 320,000 1,402,000 3,106,000 1,704,000 

Capital Impact Partners (NCB Capital Impact) Arlington VA CDLF 8,218,000 95,578,000 149,697,000 54,119,000 

Vermont Community Loan Fund, Inc. Montpelier VT CDLF 1,247,000 12,787,000 16,074,000 3,287,000 

Craft3 (ShoreBank Enterprise Group, Pacific) Ilwaco WA CDLF 1,867,000 24,108,000 46,191,000 22,083,000 
Institutions Participating in SBLF

Report on Information from 3/31/2015 Quarterly Supplemental Reports transmitted with July 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

Impact Seven, Incorporated Almena WI CDLF 4,000,000 13,344,000 21,233,000 7,889,000 Forward Community Investments, Inc. Madison WI CDLF 470,000 3,964,000 7,756,000 3,792,000 

Wisconsin Women's Business Initiative Corporation Milwaukee WI CDLF 391,000 4,562,000 11,894,000 7,332,000 
28

APPENDIX D: INSTITUTION-SPECIFIC REPORTING ON BUSINESS LENDING BY SBLF BANKS
Community Banks Participating in SBLF

Report on Information from 03/31/2015 Call Reports transmitted with July 2015 Report

Name City State Commercial & Industrial Owner‐Occupied Commercial Real Estate Agricultural Production Secured by Farmland Commercial & Industrial Owner‐Occupied Commercial Real

Estate

Agri

Pro

BancIndependent, Incorporated Sheffield AL Southeast 1,176,254 126,083 110,777 6,105 15,249 258,213 200,120 141,135 

First Partners Bank (SouthCity Bank) Vestavia Hills AL Southeast 230,211 34,442                                        ‐ 6,394                     ‐ 40,837 47,052                            

10,633 

ServisFirst Bancshares, Inc. Birmingham AL Southeast 4,392,212 440,705 209,801 25,580 22,243 698,328 1,511,434 869,724 

Southern National Corporation Andalusia AL Southeast 466,977 42,858 46,952 5,776 59,822 155,408 41,368 42,040 

Southern States Bancshares, Inc. Anniston AL Southeast 340,333 18,236                                      ‐ 18,732 943 37,910 33,625 58,531 Rock Bancshares, Inc. Little Rock AR Southeast 242,075 49,812                                        ‐ 7,116 1,804 58,732 123,212                              

1,728 

Western Alliance Bancorporation Phoenix AZ West 11,133,185 550,987 1,063,943 186 4,343 1,619,459 1,959,327 1,785,380 

CU Bancorp Los Angeles CA West 2,406,524 91,889                                      ‐ 64,830                     ‐ 156,719 515,223                          

352,071          

Banc of California, Inc. (First PacTrust Bancorp, Inc.) Irvine CA West 6,090,788 553                                        ‐ 8,525                     ‐ 9,077 465,142                          

365,463 

Bank of Commerce Holdings Redding CA West 985,030 133,779 72,044 1,173 7,805 214,800 147,710 127,258 

California Bank of Commerce Lafayette CA West 462,225 60,775 13,291 390 1,632 76,087 186,321 57,699 

Capital Bank San Juan Capistrano CA West 256,622 13,838 11,346 98 295 25,575 27,026                            

70,325 

Community Valley Bank El Centro CA West 128,828 11,352                                        ‐ 2,293                     ‐ 13,645 13,673 29,339 First Northern Community Bancorp Dixon CA West 995,371 88,431 116,575 30,680 22,480 258,166 104,896 111,630 

Founders Bancorp San Luis Obispo CA West 175,430 24,400                                      ‐ 11,516 2,218 38,133 21,037                            

28,702 

GBC Holdings, Inc. Los Angeles CA West 485,022 48,872                                      ‐ 64,652 468 113,992 90,146                            

99,658          

Partners Bank of California Mission Viejo CA West 139,418 40,849                                      ‐ 13,880                     ‐ 54,729 29,421                            

26,141          

ProAmérica Bank (Promérica Bank) Los Angeles CA West 160,376 18,665                                      ‐ 28,650                     ‐ 47,315 16,091                            

45,311          

Redwood Capital Bancorp Eureka CA West 293,450 16,119 28,172 120 2,899 47,311 11,088 46,208 

Seacoast Commerce Bank Chula Vista CA West 436,779 12,916                                      ‐ 42,691 456 56,063 2,714                          

340,007          

Security California Bancorp Riverside CA West 634,748 112,334                                      ‐ 67,475                     ‐ 179,809 131,071 148,752 

Silvergate Capital Corporation La Jolla CA West 953,094 3,408                                        ‐ 6,233                     ‐ 9,641 6,646                              

9,667          

Summit State Bank Santa Rosa CA West 474,375 40,612 33,151 2,405 24,934 101,101 45,719 56,973 

The Bank of Santa Barbara Santa Barbara CA West 181,481 11,319                                        ‐ 9,943 1,514 22,776 21,163                            

34,235          

CIC Bancshares, Inc. Greenwood Village CO Southwest 732,019 1,433                                              ‐ 21                     ‐ 1,454 84,536                            

75,716 

CoBiz Financial Inc. Denver CO Southwest 3,054,215 464,781 390,528 5,703 2,295 863,306 697,859                          

446,904 

Columbine Capital Corp. Buena Vista CO Southwest 402,632 22,300 16,986 221 893 40,399 43,116 43,641 

Morgan Capital Corporation Fort Morgan CO Southwest 158,038 13,330 6,289 4,169 3,950 27,738 15,794 12,779 

Verus Acquisition Group, Inc. Fort Collins CO Southwest 282,762 14,365 45,134 88 7,204 66,792 12,749                            

56,094 

Bankwell Financial Group, Inc. (BNC Financial Group, Inc.) New Canaan CT Northeast 1,098,375 3,378                                      ‐ 24,882                     ‐ 28,259 133,400                          

129,717          

Salisbury Bancorp, Inc. Lakeville CT Northeast 865,031 23,290 49,853 402 5,666 79,211 115,983 136,384 

SBT Bancorp, Inc. Simsbury CT Northeast 405,750 14,128                                      ‐ 21,168                     ‐ 35,295 24,193                            

35,429          

Community Bank Delaware Lewes DE Mid‐Atlantic 159,413 6,962 20,018 574 1,175 28,729 6,732 34,821 

Bank of Central Florida Lakeland FL Southeast 405,213 29,147                                      ‐ 27,541                     ‐ 56,688 68,370                            

58,234 

Community Southern Holdings, Inc. (Community Southern Bank) Lakeland FL Southeast 250,717 13,773 15,059 813 115 29,759 35,680 38,718 

FineMark Holdings, Inc. Fort Myers FL Southeast 934,596 12,141 15,375                    ‐ 112 27,628 38,229                            

54,629 

Florida Business BancGroup, Inc. Tampa FL Southeast 540,473 41,885                                      ‐ 46,924                     ‐ 88,809 62,390                          

109,395 

HomeBancorp, Inc. Tampa FL Southeast 907,974 3,043                                      ‐ 10,343                     ‐ 13,385 7,928                            

23,265          

Jefferson Bankshares, Inc. (Jefferson Bank of Florida) Oldsmar FL Southeast 231,773 9,021                                        ‐ 4,870                     ‐ 13,891 20,469                            

28,227          

Marquis Bank Coral Gables FL Southeast 304,590 1,427                                        ‐ 9,846                     ‐ 11,273 21,816                            

36,704          

Ovation Holdings, Inc. Naples FL Southeast 364,134 1,684                                        ‐ 8,013                     ‐ 9,698 9,021                            

41,766 

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Southeast 545,627 57,110 95,349 222 10,816 163,496 104,828 119,177 

Stonegate Bank Pompano Beach FL Southeast 2,256,600 36,148                                      ‐ 90,104 2,692 128,944 182,377                          

461,297 

Lowndes Bancshares, Inc. Valdosta GA Southeast 223,419 10,135                                      ‐ 38,874                     ‐ 49,009 12,560 29,717 

Resurgens Bancorp Atlanta GA Southeast 128,186 8,251                                        ‐ 4,870 1,965 15,086 13,437                            

18,167          

The Peoples Bank of Talbotton Talbotton GA Southeast 49,552 647                                        ‐ 3,191 2,106 5,943 3,216 3,556 

Commercial Financial Corp Storm Lake IA Midwest 650,112 128,275 39,538 38,076 22,656 228,545 140,614 70,405 

Heartland Financial USA, Inc. Dubuque IA Midwest 6,570,389 506,645 531,185 98,111 214,759 1,350,700 1,029,986 681,599 

Liberty Financial Services, Inc. Sioux City IA Midwest 326,227 36,186 17,912 4,466 5,574 64,138 49,762 33,700 

D. L. Evans Bancorp Burley ID West 1,163,294 69,464 158,111 107,881 60,654 396,108 111,175 176,766 

Bancorp Financial, Inc. Oak Brook IL Midwest 629,783 5,790                                        ‐ 9,122                     ‐ 14,912 29,900                            

12,975          

Community First Bancorp, Inc. Fairview Heights IL Midwest 211,380 23,850                                      ‐ 23,424 7,233 54,507 47,733                            

38,190 

Community Illinois Corporation Rock Falls IL Midwest 254,088 29,250 10,821 16,703 22,134 78,909 28,456 17,140 

First Bankers Trustshares, Inc. Quincy IL Midwest 846,602 34,554 53,147 20,504 20,851 129,056 39,375 84,522 

First Busey Corporation Champaign IL Midwest 3,873,601 313,814 356,714 38,356 57,626 766,509 344,837 379,798 

First Community Financial Corporation Elgin IL Midwest 167,588 6,337                                      ‐ 26,075 582 32,993 8,412                            

26,030 

First Eldorado Bancshares, Inc. Eldorado IL Midwest 303,919                  ‐ 7,789 7,887 25,857 41,533 30,269 10,962 Illinois State Bancorp, Inc. Chicago IL Midwest 397,424 21,057                                      ‐ 38,971 160 60,188 16,202                            

61,596 

Merchants and Manufacturers Bank Corporation Joliet IL Midwest 217,961 35,038                                      ‐ 20,722                     ‐ 55,760 65,373                            

24,146          

People First Bancshares, Inc. Pana IL Midwest 366,841 48,975 9,408 48,716 13,254 120,352 51,499 40,037 

Prime Banc Corp. Dieterich IL Midwest 577,548 21,310 6,268 9,480 22,344 59,401 60,159 89,202 Signature Bancorporation, Inc. Chicago IL Midwest 528,577 88,196                                      ‐ 37,019                     ‐ 125,214 194,060                            

67,074 

Southern Illinois Bancorp, Inc. Carmi IL Midwest 404,178 37,465 17,420 18,888 21,392 95,164 50,839 38,678 

Town and Country Financial Corporation Springfield IL Midwest 495,814 34,830 59,359 6,536 5,550 106,274 43,211 99,012 

Tri‐County Financial Group, Inc. Mendota IL Midwest 870,656 23,912 24,883 30,134 35,679 114,608 67,504 69,784 

United Community Bancorp, Inc. Chatham IL Midwest 1,752,176 211,038 155,561 57,598 92,821 517,019 151,873 151,709 

AMB Financial Corp. Munster IN Midwest 184,597 7,638                                      ‐ 14,191                     ‐ 21,829 8,534                            

24,982 

Community Bank Shares of Indiana, Inc. New Albany IN Midwest 1,620,537 87,840 88,791 690 4,709 182,030 140,852 158,593 

First Savings Financial Group, Inc. Clarksville IN Midwest 720,732 26,351                                      ‐ 39,403                     ‐ 65,754 23,422 60,751 

Horizon Bancorp Michigan City IN Midwest 2,149,878 63,712 84,200 3,279 7,424 158,615 121,537 173,425 

Bern Bancshares, Inc. Bern KS Midwest 89,683 4,671 46 14,941 3,145 22,803 3,840 548 

Brotherhood Bancshares, Inc. Kansas City KS Midwest 533,674 42,681                                      ‐ 28,067 3,673 74,420 73,309                            

15,083 

Equity Bancshares, Inc. Wichita KS Midwest 1,241,947 72,242 44,546 7,028 5,075 128,891 205,237 135,573 

Institution

Region Total Assets

Baseline Lending Baseline

Business

Lending

Q1 2015
Community Banks Participating in SBLF

Report on Information from 03/31/2015 Call Reports transmitted with July 2015 Report

Name City State Commercial & Industrial Owner‐Occupied Commercial Real Estate Agricultural Production Secured by Farmland Commercial & Industrial Owner‐Occupied Commercial Real

Estate

Agri

Pro

Institution

Region Total Assets

Baseline Lending Baseline

Business

Lending

Q1 2015

Freedom Bancshares, Inc. Overland Park KS Midwest 159,035 17,081                                      ‐ 18,667                     ‐ 35,748 27,693                            

20,134          

Osborne Investments, Inc. Osborne KS Midwest 57,572 1,549 451 9,025 4,697 15,722 3,136 1,777 

UBT Bancshares, Inc. Marysville KS Midwest 570,096 41,004 27,943 44,044 63,137 176,128 43,725 21,510 FCB Bancorp, Inc. Louisville KY Midwest 511,660 27,761                                      ‐ 54,823 56 82,640 12,024                            

67,568 

Magnolia Bancshares Inc. Hodgenville KY Midwest 172,176 6,246 10,176 2,066 14,930 33,419 11,807 22,264 

Community Trust Financial Corporation Ruston LA Southwest 3,757,037 294,044 150,315 1,480 24,990 470,828 1,268,529 346,945 

First Guaranty Bancshares, Inc. Hammond LA Southwest 1,544,801 85,481 82,769 17,727 12,111 198,087 186,895 149,780 

First NBC Bank Holding Company New Orleans LA Southwest 4,062,736 288,580                                    ‐ 212,783 261 501,625 1,076,968 434,969 

MidSouth Bancorp, Inc. Lafayette LA Southwest 1,992,367 185,803 126,929 6,367 3,019 322,119 472,914 259,195 

Ouachita Bancshares Corp. Monroe LA Southwest 653,749 47,682 73,761 14,288 9,163 144,892 56,504 99,571 

Progressive Bancorp, Inc. Monroe LA Southwest 498,418 54,604 42,050 1,671 7,976 106,300 66,485 42,129 

Island Bancorp, Inc. Edgartown MA Northeast 174,938 2,672                                      ‐ 20,909                     ‐ 23,581 7,290                            

30,202          

Leader Bancorp, Inc. Arlington MA Northeast 906,931 7,075                                      ‐ 24,647                     ‐ 31,722 24,215                            

76,335          

New England Bancorp, Inc. Hyannis MA Northeast 238,700 9,707                                      ‐ 19,019                     ‐ 28,726 30,835                            

45,039          

Provident Bancorp, Inc. Amesbury MA Northeast 663,033 17,487                                      ‐ 70,118 93 87,697 92,198                          

110,716          

StonehamBank, A Co‐operative Bank Stoneham MA Northeast 475,139 22,466                                      ‐ 24,415                     ‐ 46,880 48,593                            

65,278          

Eagle Bancorp, Inc. Bethesda MD Mid‐Atlantic 5,476,287 325,046                                    ‐ 122,093                     ‐ 447,140 911,411                          

508,863 

Howard Bancorp, Inc. Ellicott City MD Mid‐Atlantic 710,266 91,705                                      ‐ 41,681 794 134,180 141,182 107,582 

Monument Bank Bethesda MD Mid‐Atlantic 463,313 20,990                                      ‐ 12,522 576 34,088 39,623                            

29,241 

Katahdin Bankshares Corp. Houlton ME Northeast 665,046 95,319 50,102 3,312 2,706 151,438 139,141 57,855 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Midwest 209,100 15,987                                      ‐ 17,807                     ‐ 33,793 28,989                            

35,972          

Crestmark Bancorp, Inc. Troy MI Midwest 743,815 153,006                                        ‐ 1,470                     ‐ 154,475 426,666                                  

766          

Huron Valley State Bank Milford MI Midwest 104,204 5,648                                      ‐ 16,506 191 22,345 12,541                            

37,701 

Level One Bancorp, Inc. Farmington Hills MI Midwest 843,357 39,110                                      ‐ 24,606                     ‐ 63,716 221,930                          

122,634          

Valley Financial Group, Ltd. Saginaw MI Midwest 210,960 38,248                                      ‐ 36,190 90 74,528 57,410                            

42,883 

Financial Services of Winger, Inc. Fosston MN Midwest 159,892 19,628 7,190 25,894 21,040 73,751 23,454 20,758 

Heritage Bancshares Group, Inc. Willmar MN Midwest 392,995 59,801 32,540 48,486 28,555 169,382 63,404 39,230 

Kerkhoven Bancshares, Inc Kerkhoven MN Midwest 71,919 4,668 9,381 3,475 7,114 24,637 10,647 22,085 

McLeod Bancshares, Inc. Shorewood MN Midwest 404,327 23,330 3,763 5,618 2,780 35,490 16,161 24,802 

MidWest Bancorporation, Inc. Eden Prairie MN Midwest 229,830 35,697                                      ‐ 18,909                     ‐ 54,606 20,884 11,262 

Platinum Bancorp, Inc. Oakdale MN Midwest 152,390 19,145                                      ‐ 27,015 573 46,733 29,995                            

26,231 

Redwood Financial, Inc. Redwood Falls MN Midwest 235,703 24,855                                      ‐ 31,378                     ‐ 56,233 36,528 20,413 

Cardinal Bancorp II, Inc. Washington MO Midwest 305,275 34,752 29,431 190 5,482 69,855 44,699 32,921 

Fortune Financial Corporation Arnold MO Midwest 146,917 24,461                                      ‐ 23,534 370 48,366 30,320                            

22,390          

Great Southern Bancorp, Inc. Springfield MO Midwest 4,068,361 138,613 136,926 4,079 21,896 301,514 299,481 169,625 

Liberty Bancorp, Inc. Liberty MO Midwest 453,035 23,445                                      ‐ 53,499                     ‐ 76,944 49,252 70,466 

Security State Bancshares, Inc. Charleston MO Midwest 709,223 56,094 57,781 30,314 49,925 194,113 52,121 69,323 

Southern Missouri Bancorp, Inc. Poplar Bluff MO Midwest 1,296,030 71,715 87,689 29,586 31,048 220,038 113,687 133,316 

Triad Bancorp, Inc. Frontenac MO Midwest 257,165 15,530                                      ‐ 16,895 820 33,245 37,287                            

45,288 

Bancorp of Montana Holding Company Missoula MT West 52,057 1,208                                        ‐ 1,994 444 3,646 6,431                              

6,318 

First Bancorp Troy NC Southeast 3,218,910 140,198 279,520 7,734 36,485 463,938 122,041 433,008 

Live Oak Bancshares, Inc. Wilmington NC Southeast 678,531 27,794                                      ‐ 73,668                     ‐ 101,462 154,028                          

204,237 

Premara Financial, Inc. Charlotte NC Southeast 248,290 15,263                                      ‐ 23,523                     ‐ 38,786 28,278                            

48,334 

Providence Bank Rocky Mount NC Southeast 231,907 14,547 12,644 780 826 28,797 16,458 20,643 

Select Bancorp, Inc. Dunn NC Southeast 747,751 67,810 104,974 4,486 9,786 187,056 59,856 116,398 

Union Bank & Trust Company Oxford NC Southeast 253,740 19,991 15,549 10 3,112 38,662 22,668 28,208 

Alerus Financial Corporation Grand Forks ND Midwest 1,503,383 180,756 65,037 33,489 10,852 290,134 354,865 137,613 

Western State Agency, Inc. Devils Lake ND Midwest 771,396 97,220 32,153 14,569 6,955 150,896 268,784 23,960 

Adbanc Inc. Ogallala NE Midwest 638,907 69,479 59,439 77,060 51,676 257,654 68,989 64,098 

Banner County Ban Corporation Harrisburg NE Midwest 111,892 8,633 2,981 30,815 15,368 57,797 12,163 9,656 

First State Holding Co. (Wilber Co.) Lincoln NE Midwest 431,100 40,835 24,786 25,570 36,985 128,176 50,347 34,231 

The State Bank of Bartley Bartley NE Midwest 88,945 13,050 4,465 8,672 2,035 28,221 17,973 8,490 

First Colebrook Bancorp, Inc. Colebrook NH Northeast 260,366 25,654 42,281 569 82 68,585 37,893 49,868 

Guaranty Bancorp, Inc. Woodsville NH Northeast 403,830 37,136 48,710 454 1,988 88,288 40,780 59,498 

New Hampshire Thrift Bancshares, Inc. Newport NH Northeast 1,485,521 57,064                                      ‐ 80,606                     ‐ 137,670 69,192 188,841 

Northway Financial, Inc. Berlin NH Northeast 911,526 44,870                                      ‐ 67,422                     ‐ 112,292 61,243                            

60,856          

ConnectOne Bancorp, Inc. Englewood Cliffs NJ Mid‐Atlantic 3,502,311 19,511                                      ‐ 83,294                     ‐ 102,806 413,421                          

222,947          

Crest Savings Bancorp, Inc. Wildwood NJ Mid‐Atlantic 413,454 3,201                                      ‐ 17,693                     ‐ 20,894 3,214                            

22,635          

Freedom Bank Oradell NJ Mid‐Atlantic 270,960 14,905                                      ‐ 17,540                     ‐ 32,445 18,146                            

43,251          

Harmony Bank Jackson Township NJ Mid‐Atlantic 269,123 929                                        ‐ 9,059 1,000 10,988 12,059                            

46,392 

Highlands Bancorp, Inc. Vernon NJ Mid‐Atlantic 282,106 16,612                                      ‐ 17,780 777 35,168 37,744                            

62,565 

Hopewell Valley Community Bank Pennington NJ Mid‐Atlantic 485,301 9,885                                      ‐ 76,725 876 87,485 22,393                          

124,251 

Regal Bank Livingston NJ Mid‐Atlantic 361,350 1,682                                      ‐ 24,190                     ‐ 25,872 3,315                            

36,483          

Stewardship Financial Corporation Midland Park NJ Mid‐Atlantic 684,575 48,805                                    ‐ 156,337 1,053 206,195 27,408                          

179,122 

Two River Bancorp (Community Partners Bancorp) Middletown NJ Mid‐Atlantic 804,229 48,487                                    ‐ 135,572 204 184,262 44,519                          

210,011 

Meadows Bank Las Vegas NV West 467,377 29,330                                      ‐ 21,164                     ‐ 50,495 135,885                            

79,411          

Alma Bank Astoria NY Mid‐Atlantic 955,620 66,760                                      ‐ 25,038                     ‐ 91,798 163,096                          

213,167          

Catskill Hudson Bancorp, Inc. Rock Hill NY Mid‐Atlantic 437,377 42,715 54,456 277 1,075 98,522 50,818 94,130 

Greater Rochester Bancorp, Inc. Rochester NY Mid‐Atlantic 436,468 43,466                                      ‐ 17,134 1,736 62,336 105,042                            

52,326 

Kinderhook Bank Corp. Kinderhook NY Mid‐Atlantic 366,979 18,911 19,028 58 2,330 40,328 32,642 46,701 

Pathfinder Bancorp, Inc. Oswego NY Mid‐Atlantic 710,871 25,983                                      ‐ 48,698 786 75,467 43,122 99,799 

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Mid‐Atlantic 279,711 6,963                                        ‐ 9,127                     ‐ 16,090 17,612 15,215 

Columbus First Bancorp, Inc Worthington OH Midwest 295,608 19,279                                      ‐ 15,132                     ‐ 34,411 29,790                            

35,450 
Community Banks Participating in SBLF

Report on Information from 03/31/2015 Call Reports transmitted with July 2015 Report

Name City State Commercial & Industrial Owner‐Occupied Commercial Real Estate Agricultural Production Secured by Farmland Commercial & Industrial Owner‐Occupied Commercial Real

Estate

Agri

Pro

Institution

Region Total Assets

Baseline Lending Baseline

Business

Lending

Q1 2015

Community Independent Bancorp Inc. West Salem OH Midwest 95,478 2,587 5,795 133 3,505 12,020 2,346 8,809 

AmeriBank Holding Company Collinsville OK Southwest 229,034 19,843 9,416 1,590 2,324 33,172 43,318 14,690 

Central Service Corporation Enid OK Southwest 614,355 43,994 23,240 43,232 38,675 149,140 93,592 34,285 Prime Bank Group Edmond OK Southwest 217,087 7,722 10,116 53 1,742 19,632 30,698 23,417 Regent Capital Corporation Nowata OK Southwest 208,538 24,582 17,779 3,616 9,416 55,394 39,090 33,158 

AmeriServ Financial, Inc. Johnstown PA Mid‐Atlantic 1,074,283 92,509                                      ‐ 62,972 178 155,659 129,908 98,805 

CBT Financial Corp. Clearfield PA Mid‐Atlantic 427,111 34,922 32,578 1,037 6,580 75,117 43,967 33,475 

Centric Financial Corporation Harrisburg PA Mid‐Atlantic 325,590 16,476 31,487 193 1,397 49,553 40,142 58,808 

Codorus Valley Bancorp, Inc. York PA Mid‐Atlantic 1,320,375 46,618 104,503 1,653 24,703 177,476 121,857 156,498 

DNB Financial Corporation Downingtown PA Mid‐Atlantic 748,689 38,960                                      ‐ 73,668 10,878 123,505 44,293                          

118,964 

Emclaire Financial Corp. Emlenton PA Mid‐Atlantic 588,843 33,244                                      ‐ 25,924                     ‐ 59,168 50,527 24,626 

Enterprise Financial Services Group, Inc. Allison Park PA Mid‐Atlantic 254,799 37,394                                      ‐ 75,423 424 113,241 33,713                            

99,106 

First Resource Bank Exton PA Mid‐Atlantic 180,396 11,395                                      ‐ 19,652 1,119 32,165 15,777                            

39,432 

Jonestown Bank and Trust Company Jonestown PA Mid‐Atlantic 445,228 6,880 29,539 11 4,390 40,820 15,813 39,487 

MileStone Bank Doylestown PA Mid‐Atlantic 217,665 17,161                                      ‐ 29,937                     ‐ 47,098 69,543                            

62,639 

Monument Bank Doylestown PA Mid‐Atlantic 253,077 1,478                                      ‐ 17,409 828 19,715 1,824                            

44,520 

Penn Liberty Financial Corp. Wayne PA Mid‐Atlantic 622,217 58,496                                      ‐ 84,723                     ‐ 143,218 85,347                          

113,365          

Mid Bank Bancorp, Inc. Millersburg PA Mid‐Atlantic 894,477 65,191 6,588 4 6,584 78,368 120,559                          

112,334 

The Victory Bancorp, Inc. Limerick PA Mid‐Atlantic 161,543 13,913                                        ‐ 8,245 1,757 23,916 33,628                            

33,261 

Carolina Alliance Bank Spartanburg SC Southeast 429,816 29,943                                      ‐ 34,965 830 65,737 50,571                            

87,668 

GrandSouth Bancorporation Greenville SC Southeast 401,139 49,299 43,148 114 3,454 96,015 74,771 44,615 

TCB Corporation Greenwood SC Southeast 347,213 16,375                                      ‐ 40,863 1,056 58,294 17,195                            

54,811 

BHCB Holding Company Rapid City SD Midwest 159,760 11,260 16,312 1,696 1,627 30,895 21,313 42,249 CapitalMark Bank & Trust Chattanooga TN Southeast 968,268 88,680                                      ‐ 45,869                     ‐ 134,549 201,341                          

180,933 

Carroll Financial Services, Inc. Huntingdon TN Southeast 266,983 7,921 34,549 4,141 14,441 61,052 13,077 44,320 

Community First Bancshares, Inc. Union City TN Southeast 2,009,556 102,278 165,597 16,329 35,772 319,976 137,936 159,951 

Evolve Bancorp, Inc. Cordova TN Southeast 384,492 8,239 5,161 2,211 3,490 19,101 43,480 57,482 

Franklin Financial Network, Inc. Franklin TN Southeast 1,509,316 10,261 9,123 823 149 20,356 100,662 81,040 

Independent Holdings, Inc. Memphis TN Southeast 904,051 39,655                                      ‐ 11,109 1,474 52,238 69,632                            

29,663 

InsCorp, Inc. Nashville TN Southeast 266,569 11,667                                        ‐ 8,603 765 21,034 45,824                            

22,907 

Landmark Community Bank Collierville TN Southeast 687,890 17,728 11,183 94 263 29,268 40,901                            

24,706 

Magna Bank Memphis TN Southeast 589,201 24,492                                      ‐ 17,032                     ‐ 41,524 83,491 24,904 

Merchants and Planters Bancshares, Inc. Bolivar TN Southeast 87,571 5,479 10,527 361 2,730 19,097 2,930 9,449 

Moneytree Corporation Lenoir City TN Southeast 443,114 35,050 32,806 61 1,627 69,543 15,940                            

57,864 

Planters Financial Group, Inc. Clarksville TN Southeast 882,479 59,970 67,388 12,733 34,238 174,327 77,815 82,646 SmartFinancial, Inc. Pigeon Forge TN Southeast 529,253 21,736                                      ‐ 14,293 1,139 37,167 34,285                            

72,231 

Sumner Bank & Trust Gallatin TN Southeast 156,819 12,075 15,701 43 694 28,512 10,635 18,816 

AIM Bancshares, Inc. Levelland TX Southwest 809,350 39,299 14,585 13,262 6,874 74,020 148,158 75,686 

BMC Bancshares, Inc. Dallas TX Southwest 80,099 765 2,514 825 223 4,326 1,645 14,122          

Independent Bank Group, Inc. McKinney TX Southwest 4,254,243 82,574 177,239 13,025 12,039 284,877 631,695 704,812 

FB BanCorp San Antonio TX Southwest 698,195 99,765                                        ‐ 2,480                     ‐ 102,244 39,386 1,558          

First Texas BHC, Inc. Fort Worth TX Southwest 1,653,955 85,806 71,371 110 2,229 159,515 265,328 148,178 

Frontier Bancshares, Inc. Austin TX Southwest 596,308 25,056 29,742 851 6,814 62,462 103,572 122,962 

Happy Bancshares, Inc. Amarillo TX Southwest 2,627,574 201,680 93,384 130,663 51,686 477,414 434,890 182,204 

Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX Southwest 8,396,783 1,018,142 363,288 60,432 61,652 1,503,514 1,119,367 778,349 

Joaquin Bankshares Inc. Huntington TX Southwest 116,280 14,762 13,696 1,602 13,014 43,074 23,160 12,912 

Liberty Capital Bancshares, Inc. Addison TX Southwest 166,372 9,008                                        ‐ 5,927 1,722 16,657 29,558                            

19,854 

McLaughlin Bancshares, Inc. Ralls TX Southwest 272,108 18,912 4,166 29,426 3,706 56,210 43,004 14,939 

Pioneer Bank, SSB Drippings Springs TX Southwest 389,377 7,439                                        ‐ 8,987 1,142 17,568 31,418 52,273 

Southwestern Bancorp, Inc. Boerne TX Southwest 124,688 5,487 12,617 2,545 1,837 22,486 10,984 18,567 

Sovereign Bancshares, Inc. Dallas TX Southwest 1,058,722 196,282                                      ‐ 22,060 918 219,260 310,190                          

102,164 

Steele Holdings, Inc. Tyler TX Southwest 289,776 14,649 15,060 427 1,007 31,142 27,833 21,917 

The ANB Corporation Terrell TX Southwest 2,549,772 142,877 265,405 6,732 22,473 437,487 146,580 444,167 

Third Coast Bancshares, Inc. (Third Coast Bank SSB) Humble TX Southwest 371,829 33,954                                      ‐ 30,443                     ‐ 64,397 109,100 85,098 

Veritex Holdings, Inc. Dallas TX Southwest 808,433 24,303                                      ‐ 14,187 1,151 39,641 204,061                            

79,072 

Cache Valley Banking Company Logan UT Southwest 840,334 33,786 39,918 9,516 16,242 99,462 85,674 188,193 

LCA Bank Corporation Park City UT Southwest 124,864                      ‐ 136                                            ‐                     ‐ 136               ‐ 2,617                                  

         

Medallion Bank Salt Lake City UT Southwest 966,067              ‐ 234,859                                            ‐                     ‐ 234,859          ‐ 398,748                                  

         

Blue Ridge Bankshares, Inc. Luray VA Southeast 243,952 4,225 15,593 159 2,442 22,419 15,287 20,959 

Citizens Community Bank South Hill VA Southeast 172,651 18,419 16,605 251 3,246 38,520 13,452 27,229 

Heritage Bankshares, Inc. Norfolk VA Southeast 324,749 29,431                                      ‐ 36,330                     ‐ 65,761 31,415                            

53,956          

WashingtonFirst Bankshares, Inc. Reston VA Southeast 1,436,706 60,171 13,644 117 3,240 77,172 126,280                          

204,855 

Xenith Bankshares, Inc. Richmond VA Southeast 989,316 14,641                                      ‐ 19,095 593 34,328 215,398 79,042 

Puget Sound Bank Bellevue WA West 395,461 49,945                                      ‐ 28,866                     ‐ 78,810 122,833                            

68,371 

U&I Financial Corp Lynnwood WA West 235,372 8,950                                      ‐ 34,994                     ‐ 43,943 14,089                            

51,171          

W.T.B. Financial Corporation Spokane WA West 4,849,308 726,366 358,143 80,131 37,049 1,201,688 917,717 498,596 

County Bancorp, Inc. Manitowoc WI Midwest 780,852 44,238 63,411 118,072 171,649 397,369 47,920 77,684 

Deerfield Financial Corporation Deerfield WI Midwest 124,735 15,306 116 4,065 1,820 21,306 6,802 8,993 

First American Investment, Inc. Hudson WI Midwest 163,058 4,014 15,043                    ‐ 163 19,220 16,223 30,257 

First Menasha Bancshares, Inc. Neenah WI Midwest 439,861 51,762 29,044 6 519 81,331 76,114                            

57,357 

Nicolet Bankshares, Inc. Green Bay WI Midwest 1,188,245 129,397 137,477 41 2,935 269,850 265,553 179,194 

Northern Bankshares, Inc. McFarland WI Midwest 415,178 26,290 62,897 1,313 15,949 106,449 35,699 110,927 

PFSB Bancorporation, Inc. Pigeon Falls WI Midwest 77,744 3,710 8,995 6,075 11,414 30,194 3,398 6,629 
Community Banks Participating in SBLF

Report on Information from 03/31/2015 Call Reports transmitted with July 2015 Report

Name City State Commercial & Industrial Owner‐Occupied Commercial Real Estate Agricultural Production Secured by Farmland Commercial & Industrial Owner‐Occupied Commercial Real

Estate

Agri

Pro

Institution

Region Total Assets

Baseline Lending Baseline

Business

Lending

Q1 2015

Sword Financial Corporation Horicon WI Midwest 596,835 63,172 127,299 10,132 21,004 221,607 79,167 128,678 

First Bank of Charleston Inc. Charleston WV Southeast 212,643 23,426                                        ‐ 1,497                     ‐ 24,923 26,392                              

2,331          

MVB Financial Corp. Fairmont WV Southeast 1,193,862 15,650                                      ‐ 38,312                     ‐ 53,962 118,779                          

125,202