GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
WEAK
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
90
2011–2026
Total Volume
$171M
Gross loan amounts
States Active
24
With recorded loans
Programs
7(a)
90 total segments
Most active in Florida (22% of deals) and focuses heavily on building construction (96% of deals).
Building Construction makes up 96% of 1st Financial Bank USA's deals — 16.5x the national average. This is a clear specialist, not a generalist who happens to do some building construction lending.
90 SBA loans worth $170.6M since FY2011, with relatively steady volume year-over-year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
Top 15 of 24 states where 1st Financial Bank USA has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 4 of 4 industries by deal count
Building Construction
Construction
Hotels & Accommodation
Accommodation & Food Services
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
All recorded SBA lending activity for 1st Financial Bank USA, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Building Construction · $1M – $2M | 7(a) | 9 | P+2.50% | $1.8M | Q4 2025 |
| North Carolina · Building Construction · $500K – $1M | 7(a) | 6 | P+1.88% | $897K | Q3 2025 |
| Texas · Building Construction · $500K – $1M | 7(a) | 4 | P+2.38% | $1.0M | Q1 2025 |
| Florida · Building Construction · $2M – $5M | 7(a) | 4 | P+4.74% | $5.0M | Q2 2025 |
| Florida · Building Construction · $500K – $1M | 7(a) | 4 | P+2.63% | $919K | Q1 2025 |
| Colorado · Building Construction · $2M – $5M | 7(a) | 3 | P+2.25% | $3.0M | Q3 2025 |
| South Carolina · Building Construction · $2M – $5M | 7(a) | 3 | P+2.49% | $3.8M | Q3 2022 |
| Utah · Building Construction · $500K – $1M | 7(a) | 3 | P+1.75% | $1.0M | Q4 2024 |
| North Carolina · Building Construction · $1M – $2M | 7(a) | 3 | P+1.75% | $2.0M | Q2 2024 |
| Ohio · Building Construction · $1M – $2M | 7(a) | 2 | P+3.38% | $2.0M | Q4 2024 |
| Idaho · Building Construction · $2M – $5M | 7(a) | 2 | P+2.87% | $3.6M | Q1 2025 |
| Michigan · Building Construction · $2M – $5M | 7(a) | 2 | P+1.50% | $4.7M | Q1 2025 |
| Indiana · Building Construction · $1M – $2M | 7(a) | 2 | P+2.00% | $1.8M | Q2 2024 |
| Florida · Building Construction · $350K – $500K | 7(a) | 2 | P+2.37% | $430K | Q3 2024 |
| Missouri · Building Construction · $1M – $2M | 7(a) | 2 | P+2.00% | $1.6M | Q2 2024 |
| Texas · Building Construction · $1M – $2M | 7(a) | 2 | P+2.13% | $1.6M | Q3 2025 |
| Texas · Building Construction · $2M – $5M | 7(a) | 2 | P+1.00% | $3.7M | Q1 2025 |
| Arizona · Building Construction · $500K – $1M | 7(a) | 2 | P+1.63% | $1.0M | Q2 2025 |
| Montana · Building Construction · $2M – $5M | 7(a) | 1 | P+4.74% | $5.0M | Q1 2021 |
| North Carolina · Building Construction · $2M – $5M | 7(a) | 1 | P+3.25% | $2.3M | Q4 2024 |
| Ohio · Building Construction · $2M – $5M | 7(a) | 1 | P+0.99% | $5.0M | Q4 2022 |
| Ohio · Building Construction · $500K – $1M | 7(a) | 1 | P+2.00% | $1.0M | Q1 2023 |
| Pennsylvania · Building Construction · $500K – $1M | 7(a) | 1 | P+1.00% | $1.0M | Q1 2025 |
| South Carolina · Building Construction · $1M – $2M | 7(a) | 1 | P+3.00% | $2.0M | Q3 2024 |
| South Dakota · Hotels & Accommodation · $150K – $350K | 7(a) | 1 | P+-1.00% | $345K | Q4 2015 |
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