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
225
2010–2025
Total Volume
$210M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
225 total segments
First National Community Bank has a notable 12% share of 504 loans, which is slightly below the national average of 18%. This indicates they are a solid option for borrowers seeking real estate financing, though they primarily focus on 7(a) loans.
With an average 7(a) spread of P+2.03%, First National Community Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings over the life of your loan.
The bank's deal volume has declined by 28% year-over-year, which may indicate a tightening of lending standards or reduced appetite for risk. Borrowers should be prepared for a potentially more rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 27 504 loans, which use fixed SBA debenture rates.
States where First National Community Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
Gas Stations
Retail Trade
Retail Trade
Retail Trade
Agriculture & Forestry
Agriculture & Forestry
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for First National Community Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 9 | P+2.25% | $714K | Q3 2019 |
| Georgia · Hotels & Accommodation · $1M – $2M | 7(a) | 7 | P+1.75% | $1.5M | Q3 2020 |
| Georgia · Gas Stations · $1M – $2M | 7(a) | 6 | P+2.25% | $1.3M | Q3 2021 |
| Wisconsin · Manufacturing · Under $150K | 7(a) | 5 | P+1.50% | $57K | Q4 2024 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 5 | P+1.75% | $3.0M | Q1 2021 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 5 | P+2.25% | $815K | Q3 2021 |
| Wisconsin · Manufacturing · $500K – $1M | 504 | 4 | — | $633K | Q2 2021 |
| Georgia · Other Repair & Services · $500K – $1M | 7(a) | 4 | P+2.38% | $776K | Q1 2024 |
| Georgia · Agriculture & Forestry · $1M – $2M | 7(a) | 3 | P+2.50% | $1.5M | Q4 2013 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.75% | $238K | Q3 2011 |
| Georgia · Restaurants & Food Service · $1M – $2M | 7(a) | 3 | P+2.25% | $1.5M | Q2 2016 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 504 | 3 | — | $182K | Q4 2023 |
| Wisconsin · Manufacturing · $350K – $500K | 7(a) | 2 | P+2.75% | $429K | Q4 2009 |
| Wisconsin · Retail Trade · Under $150K | 7(a) | 2 | P+0.25% | $100K | Q2 2024 |
| Georgia · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+1.25% | $256K | Q2 2022 |
| Georgia · Administrative & Waste Services · $350K – $500K | 7(a) | 2 | P+2.75% | $479K | Q3 2014 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.50% | $454K | Q4 2016 |
| Georgia · Miscellaneous Retail · $2M – $5M | 7(a) | 2 | P+-0.25% | $2.7M | Q4 2022 |
| Georgia · Agriculture & Forestry · $2M – $5M | 7(a) | 2 | P+2.00% | $3.2M | Q2 2013 |
| Wisconsin · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+1.75% | $43K | Q2 2024 |
| Georgia · Agriculture & Forestry · $500K – $1M | 7(a) | 2 | P+2.25% | $737K | Q1 2015 |
| Georgia · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.13% | $158K | Q4 2020 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+0.25% | $45K | Q4 2024 |
| Georgia · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+2.50% | $800K | Q3 2016 |
| Minnesota · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+1.38% | $70K | Q1 2024 |
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Real experiences from borrowers who closed SBA loans with First National Community Bank.
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