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.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
3,075
2010–2026
Total Volume
$2.2B
Gross loan amounts
States Active
45
With recorded loans
Programs
7(a) & 504
3073 total segments
First National Bank of Pennsylvania has a strong focus on the restaurant and food service industry, with 418 deals in this sector. This indicates they are well-positioned to support businesses in a market that is often resilient and growing, especially post-pandemic.
With an average 7(a) spread of P+2.29%, First National Bank offers competitive pricing compared to the national median of P+2.75%. This could mean lower overall costs for borrowers, making it an attractive option for those seeking financing.
The bank has seen a 23% year-over-year growth in SBA deals, indicating a strong upward trajectory. This growth suggests that they are actively expanding their lending capabilities, which could lead to more favorable terms for new borrowers as they scale.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 221 504 loans, which use fixed SBA debenture rates.
Top 15 of 45 states where First National Bank of Pennsylvania 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
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for First National Bank of Pennsylvania, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 41 | P+2.70% | $80K | Q1 2019 |
| North Carolina · Restaurants & Food Service · Under $150K | 7(a) | 41 | P+2.75% | $61K | Q2 2018 |
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 33 | P+2.00% | $240K | Q1 2019 |
| North Carolina · Manufacturing · Under $150K | 7(a) | 29 | P+2.75% | $78K | Q2 2025 |
| North Carolina · Restaurants & Food Service · $500K – $1M | 7(a) | 29 | P+2.50% | $687K | Q3 2025 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 24 | P+2.75% | $75K | Q3 2025 |
| North Carolina · Manufacturing · $150K – $350K | 7(a) | 22 | P+2.75% | $277K | Q4 2023 |
| North Carolina · Other Health Practitioners · Under $150K | 7(a) | 20 | P+2.63% | $68K | Q4 2024 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 19 | P+2.25% | $226K | Q4 2022 |
| North Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 18 | P+2.75% | $267K | Q3 2018 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 18 | P+2.63% | $65K | Q3 2025 |
| North Carolina · Restaurants & Food Service · $350K – $500K | 7(a) | 18 | P+2.50% | $411K | Q4 2018 |
| North Carolina · Other Repair & Services · Under $150K | 7(a) | 16 | P+2.75% | $66K | Q4 2023 |
| North Carolina · Manufacturing · $500K – $1M | 7(a) | 16 | P+2.75% | $716K | Q2 2025 |
| North Carolina · Restaurants & Food Service · $1M – $2M | 7(a) | 16 | P+2.23% | $1.4M | Q1 2025 |
| North Carolina · Specialty Trade Contractors · Under $150K | 7(a) | 16 | P+2.38% | $87K | Q2 2024 |
| New Jersey · Restaurants & Food Service · $1M – $2M | 7(a) | 15 | P+2.00% | $1.7M | Q4 2010 |
| North Carolina · Administrative & Waste Services · Under $150K | 7(a) | 14 | P+2.13% | $86K | Q4 2024 |
| Pennsylvania · Other Health Practitioners · Under $150K | 7(a) | 14 | P+2.00% | $79K | Q1 2018 |
| Pennsylvania · Management & IT Consulting · Under $150K | 7(a) | 14 | P+2.00% | $55K | Q4 2020 |
| North Carolina · Wholesale Trade · Under $150K | 7(a) | 14 | P+2.75% | $94K | Q1 2022 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 14 | P+2.50% | $64K | Q2 2023 |
| New Jersey · Restaurants & Food Service · $500K – $1M | 7(a) | 14 | P+2.25% | $809K | Q4 2010 |
| North Carolina · Arts, Entertainment & Recreation · Under $150K | 7(a) | 14 | P+2.63% | $52K | Q3 2018 |
| Pennsylvania · Auto Repair & Maintenance · Under $150K | 7(a) | 13 | P+2.50% | $80K | Q1 2022 |
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Real experiences from borrowers who closed SBA loans with First National Bank of Pennsylvania.
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