GOOD
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.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,930
2010–2026
Total Volume
$1.2B
Gross loan amounts
States Active
36
With recorded loans
Programs
7(a) & 504
1930 total segments
First Commonwealth Bank has a strong focus on startups, with 44% of their SBA deals going to new businesses. This could be beneficial if you're a first-time borrower looking for support.
With an average 7(a) spread of P+2.28%, First Commonwealth Bank 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 3% year-over-year, indicating they may be tightening their lending criteria. This could make it more challenging to secure a loan, so be prepared with a strong application.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 140 504 loans, which use fixed SBA debenture rates.
Top 15 of 36 states where First Commonwealth Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for First Commonwealth Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 53 | P+2.25% | $78K | Q4 2025 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 39 | P+2.50% | $78K | Q1 2025 |
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 33 | P+2.50% | $256K | Q3 2025 |
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 29 | P+1.75% | $270K | Q2 2025 |
| Pennsylvania · Auto Repair & Maintenance · Under $150K | 7(a) | 25 | P+2.50% | $68K | Q2 2025 |
| Pennsylvania · Restaurants & Food Service · $500K – $1M | 7(a) | 24 | P+2.25% | $734K | Q3 2025 |
| Ohio · Manufacturing · Under $150K | 7(a) | 24 | P+2.00% | $90K | Q3 2025 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 23 | P+2.50% | $274K | Q1 2025 |
| Ohio · Manufacturing · $500K – $1M | 7(a) | 23 | P+2.25% | $820K | Q2 2025 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 21 | P+2.25% | $86K | Q1 2025 |
| Pennsylvania · Other Health Practitioners · Under $150K | 7(a) | 20 | P+2.25% | $60K | Q3 2025 |
| Pennsylvania · Retail Trade · Under $150K | 7(a) | 20 | P+2.00% | $58K | Q4 2025 |
| Pennsylvania · Management & IT Consulting · Under $150K | 7(a) | 19 | P+2.75% | $59K | Q4 2025 |
| Pennsylvania · Manufacturing · $500K – $1M | 7(a) | 18 | P+2.25% | $797K | Q3 2025 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 18 | P+2.00% | $79K | Q1 2024 |
| Pennsylvania · Food & Beverage Stores · Under $150K | 7(a) | 16 | P+2.13% | $54K | Q4 2024 |
| Ohio · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+1.50% | $85K | Q3 2025 |
| Pennsylvania · Physician & Dental Offices · Under $150K | 7(a) | 15 | P+1.60% | $67K | Q1 2022 |
| Pennsylvania · Wholesale Trade · Under $150K | 7(a) | 15 | P+2.25% | $93K | Q2 2023 |
| Ohio · Manufacturing · $350K – $500K | 7(a) | 15 | P+2.00% | $456K | Q1 2025 |
| Pennsylvania · Food & Beverage Stores · $150K – $350K | 7(a) | 15 | P+2.25% | $272K | Q2 2022 |
| Pennsylvania · Arts, Entertainment & Recreation · Under $150K | 7(a) | 15 | P+2.75% | $97K | Q3 2025 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 15 | P+2.00% | $260K | Q1 2024 |
| Pennsylvania · Personal Care (Salons, Spas) · Under $150K | 7(a) | 15 | P+2.75% | $56K | Q1 2024 |
| Ohio · Manufacturing · $1M – $2M | 7(a) | 15 | P+2.00% | $1.3M | Q3 2025 |
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