Section 120.1015 - Risk Rating System(a)Risk Rating. SBA may assign a Risk Rating to all SBA Lenders and Intermediaries on a periodic basis. Risk Ratings are based on certain risk-related portfolio performance factors as set forth in notices or SBA's SOPs and as published from time to time.(b)Rating categories. Risk Ratings fall into one of two broad categories: Acceptable Risk Ratings or Less Than Acceptable Risk Ratings. 73 FR 75519 , Dec. 11, 2008, as amended at 85 FR 14781 , Mar. 16, 2020