GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
92
2023–2026
Total Volume
$136M
Gross loan amounts
States Active
27
With recorded loans
Programs
7(a)
92 total segments
Most active in California (18% of deals) and focuses heavily on finance & insurance (10% of deals).
With a median 7(a) spread of P + 2.53%, First Bank of Central Ohio prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
Finance & Insurance makes up 10% of First Bank of Central Ohio's deals — 11.0x the national average. This is a clear specialist, not a generalist who happens to do some finance & insurance lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
Top 15 of 27 states where First Bank of Central Ohio has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Finance & Insurance
Finance & Insurance
Miscellaneous Retail
Retail Trade
Specialty Trade Contractors
Construction
Building Construction
Construction
Physician & Dental Offices
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Wholesale Trade
Wholesale Trade
Other Professional Services
Professional Services
+ 7 more
All recorded SBA lending activity for First Bank of Central Ohio, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Wholesale Trade · $1M – $2M | 7(a) | 2 | P+2.50% | $1.2M | Q2 2025 |
| California · Physician & Dental Offices · $2M – $5M | 7(a) | 2 | P+2.13% | $2.8M | Q1 2024 |
| California · Miscellaneous Retail · $350K – $500K | 7(a) | 2 | P+2.88% | $451K | Q4 2024 |
| Massachusetts · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.00% | $102K | Q2 2025 |
| Ohio · Building Construction · Under $150K | 7(a) | 2 | P+2.38% | $100K | Q3 2025 |
| Ohio · Building Construction · $2M – $5M | 7(a) | 2 | P+2.38% | $2.3M | Q3 2025 |
| California · Other Professional Services · $2M – $5M | 7(a) | 1 | P+2.00% | $3.3M | Q2 2025 |
| California · Physician & Dental Offices · $500K – $1M | 7(a) | 1 | P+2.75% | $962K | Q4 2023 |
| California · Auto Repair & Maintenance · $350K – $500K | 7(a) | 1 | P+2.75% | $466K | Q3 2024 |
| California · Other Repair & Services · $2M – $5M | 7(a) | 1 | P+2.75% | $5.0M | Q2 2024 |
| California · Retail Trade · $1M – $2M | 7(a) | 1 | P+2.75% | $2.0M | Q3 2024 |
| California · Retail Trade · $350K – $500K | 7(a) | 1 | P+2.25% | $473K | Q3 2024 |
| California · Transportation & Warehousing · $500K – $1M | 7(a) | 1 | P+1.75% | $960K | Q3 2024 |
| California · Finance & Insurance · $500K – $1M | 7(a) | 1 | P+2.75% | $682K | Q4 2025 |
| Colorado · Specialty Trade Contractors · $2M – $5M | 7(a) | 1 | P+2.50% | $3.0M | Q4 2023 |
| Colorado · Specialty Trade Contractors · $500K – $1M | 7(a) | 1 | P+2.25% | $791K | Q2 2025 |
| Colorado · Auto Dealers & Parts · $1M – $2M | 7(a) | 1 | P+2.75% | $1.0M | Q4 2023 |
| Colorado · Miscellaneous Retail · $350K – $500K | 7(a) | 1 | P+2.75% | $500K | Q2 2024 |
| Colorado · Miscellaneous Retail · $500K – $1M | 7(a) | 1 | P+2.75% | $505K | Q3 2024 |
| Colorado · Other Professional Services · $2M – $5M | 7(a) | 1 | P+2.75% | $2.4M | Q2 2024 |
| Colorado · Other Health Practitioners · $350K – $500K | 7(a) | 1 | P+2.75% | $500K | Q1 2024 |
| Colorado · Finance & Insurance · $1M – $2M | 7(a) | 1 | P+2.75% | $1.3M | Q3 2025 |
| Colorado · Real Estate · $2M – $5M | 7(a) | 1 | P+2.00% | $4.8M | Q3 2025 |
| Delaware · Education · $1M – $2M | 7(a) | 1 | P+2.75% | $1.2M | Q2 2024 |
| Florida · Building Construction · $2M – $5M | 7(a) | 1 | P+2.75% | $5.0M | Q4 2023 |
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Real experiences from borrowers who closed SBA loans with First Bank of Central Ohio.
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