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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
109
2010–2025
Total Volume
$63M
Gross loan amounts
States Active
12
With recorded loans
Programs
7(a) & 504
109 total segments
First National Bank of Coffee County has a strong focus on startups, with 47% of their deals going to new businesses. This could be beneficial if you're a first-time borrower looking to launch a venture.
With an average 7(a) spread of P+1.97%, First National Bank offers competitive pricing compared to the national median of P+2.75%. This can save you money on interest over the life of your loan.
The bank's growth trend shows a decline of 23% year-over-year, which may indicate a tightening of lending standards. If you're considering applying, be prepared for potentially more scrutiny in your application.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 5 504 loans, which use fixed SBA debenture rates.
States where First National Bank of Coffee County has recorded SBA lending activity.
+ 7 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Agriculture & Forestry
Agriculture & Forestry
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Retail Trade
Retail Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Food & Beverage Stores
Retail Trade
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for First National Bank of Coffee County, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Agriculture & Forestry · Under $150K | 7(a) | 11 | P+1.75% | $95K | Q3 2019 |
| Georgia · Agriculture & Forestry · $350K – $500K | 7(a) | 5 | P+2.00% | $442K | Q1 2023 |
| Georgia · Agriculture & Forestry · $150K – $350K | 7(a) | 4 | P+2.00% | $205K | Q3 2021 |
| Georgia · Manufacturing · $150K – $350K | 7(a) | 3 | P+1.00% | $346K | Q1 2018 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.70% | $217K | Q3 2017 |
| Georgia · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.00% | $77K | Q2 2019 |
| Georgia · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+1.75% | $77K | Q3 2019 |
| Georgia · Agriculture & Forestry · $500K – $1M | 7(a) | 3 | P+2.00% | $849K | Q4 2023 |
| Georgia · Manufacturing · Under $150K | 7(a) | 3 | P+1.75% | $69K | Q4 2020 |
| Georgia · Retail Trade · $500K – $1M | 7(a) | 2 | P+1.88% | $888K | Q2 2017 |
| Georgia · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.38% | $248K | Q3 2020 |
| Florida · Arts, Entertainment & Recreation · $350K – $500K | 7(a) | 2 | P+2.88% | $405K | Q1 2025 |
| Florida · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 2 | P+2.50% | $675K | Q3 2025 |
| Georgia · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+1.25% | $350K | Q2 2021 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 2 | P+1.75% | $530K | Q3 2011 |
| Georgia · Retail Trade · Under $150K | 7(a) | 2 | P+1.60% | $93K | Q1 2016 |
| Georgia · Retail Trade · $150K – $350K | 7(a) | 2 | P+1.73% | $232K | Q1 2021 |
| Georgia · Hotels & Accommodation · $1M – $2M | 7(a) | 2 | P+0.88% | $1.5M | Q3 2020 |
| Florida · Administrative & Waste Services · $350K – $500K | 7(a) | 1 | P+2.25% | $405K | Q1 2023 |
| Florida · Education · $1M – $2M | 7(a) | 1 | P+2.00% | $1.1M | Q2 2023 |
| Georgia · Heavy & Civil Engineering · $150K – $350K | 7(a) | 1 | P+2.00% | $300K | Q4 2010 |
| Georgia · Auto Dealers & Parts · $350K – $500K | 7(a) | 1 | P+2.25% | $367K | Q1 2010 |
| Georgia · Food & Beverage Stores · Under $150K | 7(a) | 1 | P+2.50% | $70K | Q1 2010 |
| Georgia · Sporting Goods & Hobby · $150K – $350K | 7(a) | 1 | P+1.25% | $292K | Q4 2014 |
| Georgia · Miscellaneous Retail · Under $150K | 7(a) | 1 | P+0.75% | $150K | Q4 2022 |
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Real experiences from borrowers who closed SBA loans with First National Bank of Coffee County.
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