STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
3,225
2010–2026
Total Volume
$2.6B
Gross loan amounts
States Active
42
With recorded loans
Programs
7(a) & 504
3219 total segments
First-Citizens Bank & Trust Company has a strong focus on 504 loans, making up 42% of their total SBA deals. This is significantly higher than the national average of around 18%. If you're looking for financing for real estate or expansion, this lender could be a great fit.
With an average 7(a) spread of P+1.93%, First-Citizens Bank & Trust Company offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender's growth trend shows a decline of 10% year-over-year in deal volume. This could indicate a tightening in lending standards, which may affect your chances of approval, especially if you're a first-time borrower.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 1,350 504 loans, which use fixed SBA debenture rates.
Top 15 of 42 states where First-Citizens Bank & Trust Company has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Physician & Dental Offices
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Retail Trade
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for First-Citizens Bank & Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Wholesale Trade · $1M – $2M | 504 | 38 | — | $1.4M | Q4 2025 |
| California · Specialty Trade Contractors · $500K – $1M | 504 | 36 | — | $701K | Q3 2025 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 34 | P+2.75% | $271K | Q1 2021 |
| California · Wholesale Trade · $500K – $1M | 504 | 31 | — | $740K | Q4 2025 |
| California · Physician & Dental Offices · $500K – $1M | 504 | 25 | — | $680K | Q4 2025 |
| California · Wholesale Trade · $2M – $5M | 504 | 25 | — | $2.7M | Q4 2025 |
| Florida · Restaurants & Food Service · Under $150K | 7(a) | 24 | P+2.75% | $110K | Q4 2021 |
| California · Manufacturing · $1M – $2M | 504 | 24 | — | $1.4M | Q1 2025 |
| California · Manufacturing · $500K – $1M | 504 | 22 | — | $703K | Q3 2025 |
| California · Restaurants & Food Service · $500K – $1M | 504 | 22 | — | $728K | Q4 2025 |
| California · Physician & Dental Offices · $500K – $1M | 7(a) | 22 | P+1.25% | $705K | Q4 2024 |
| California · Physician & Dental Offices · $1M – $2M | 504 | 19 | — | $1.4M | Q3 2025 |
| California · Specialty Trade Contractors · $350K – $500K | 504 | 17 | — | $414K | Q3 2025 |
| California · Physician & Dental Offices · $150K – $350K | 504 | 17 | — | $279K | Q3 2025 |
| California · Auto Repair & Maintenance · $500K – $1M | 504 | 16 | — | $704K | Q4 2025 |
| California · Manufacturing · $350K – $500K | 504 | 16 | — | $417K | Q3 2025 |
| California · Specialty Trade Contractors · $150K – $350K | 504 | 15 | — | $258K | Q4 2024 |
| California · Transportation & Warehousing · $500K – $1M | 504 | 15 | — | $728K | Q3 2025 |
| California · Manufacturing · $150K – $350K | 504 | 14 | — | $273K | Q4 2023 |
| California · Manufacturing · $2M – $5M | 504 | 14 | — | $3.0M | Q4 2025 |
| California · Wholesale Trade · Under $150K | 7(a) | 14 | P+1.75% | $88K | Q2 2025 |
| California · Other Health Practitioners · $500K – $1M | 504 | 14 | — | $721K | Q3 2025 |
| California · Wholesale Trade · $350K – $500K | 504 | 13 | — | $430K | Q2 2021 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 13 | P+2.50% | $736K | Q4 2025 |
| California · Other Health Practitioners · $150K – $350K | 504 | 12 | — | $279K | Q3 2025 |
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