STRONG
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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
208
2010–2025
Total Volume
$212M
Gross loan amounts
States Active
15
With recorded loans
Programs
7(a) & 504
208 total segments
First Guaranty Bank has a strong focus on the restaurant and food service industry, with 37 deals in this sector. This indicates they understand the unique needs of businesses in this area, making them a good option for borrowers in this industry.
With an average 7(a) spread of P+2.17%, First Guaranty Bank offers competitive pricing compared to the national median of P+2.75%. This lower spread can save borrowers money over the life of their loans.
First Guaranty Bank's loan volume has decreased by 44% year-over-year, indicating a potential pullback in lending activity. Borrowers should be aware that this trend may affect approval rates and loan availability.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 9 504 loans, which use fixed SBA debenture rates.
States where First Guaranty 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
Gas Stations
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Social Assistance
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Retail Trade
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Manufacturing
Manufacturing
+ 7 more
All recorded SBA lending activity for First Guaranty Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Gas Stations · $1M – $2M | 7(a) | 9 | P+2.25% | $1.4M | Q1 2016 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 6 | P+1.25% | $231K | Q3 2024 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 5 | P+2.50% | $433K | Q1 2020 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+2.25% | $732K | Q2 2018 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.25% | $96K | Q3 2024 |
| Texas · Manufacturing · $350K – $500K | 7(a) | 4 | P+1.75% | $500K | Q1 2022 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.50% | $242K | Q2 2022 |
| Texas · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.50% | $297K | Q2 2021 |
| Texas · Hotels & Accommodation · $500K – $1M | 7(a) | 4 | P+2.75% | $738K | Q3 2019 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 4 | P+2.00% | $1.4M | Q3 2021 |
| Texas · Retail Trade · $350K – $500K | 7(a) | 4 | P+2.00% | $456K | Q3 2021 |
| Texas · Hotels & Accommodation · $1M – $2M | 7(a) | 4 | P+2.50% | $1.8M | Q4 2016 |
| Texas · Gas Stations · $500K – $1M | 7(a) | 4 | P+2.63% | $658K | Q1 2017 |
| Texas · Hotels & Accommodation · $2M – $5M | 7(a) | 4 | P+2.38% | $3.6M | Q4 2015 |
| Texas · Gas Stations · $150K – $350K | 7(a) | 3 | P+2.75% | $263K | Q2 2016 |
| Texas · Gas Stations · $2M – $5M | 7(a) | 3 | P+2.00% | $3.2M | Q2 2016 |
| Colorado · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.75% | $749K | Q3 2012 |
| Texas · Food & Beverage Stores · $2M – $5M | 7(a) | 3 | P+2.75% | $4.1M | Q1 2018 |
| Texas · Retail Trade · $500K – $1M | 7(a) | 3 | P+2.00% | $524K | Q3 2021 |
| Louisiana · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.00% | $90K | Q1 2025 |
| Texas · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+2.75% | $105K | Q1 2016 |
| Texas · Social Assistance · $500K – $1M | 7(a) | 3 | P+2.75% | $721K | Q4 2016 |
| Texas · Social Assistance · $1M – $2M | 7(a) | 2 | P+2.25% | $1.4M | Q3 2012 |
| Texas · Social Assistance · $2M – $5M | 7(a) | 2 | P+1.88% | $3.3M | Q3 2015 |
| Texas · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.13% | $287K | Q3 2021 |
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