GOOD
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
87
2010–2025
Total Volume
$34M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
87 total segments
Most active in Wyoming (93% of deals) and focuses heavily on mining & oil/gas (13% of deals).
With a median 7(a) spread of P + 2.30%, First Northern Bank of Wyoming prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
Mining & Oil/Gas makes up 13% of First Northern Bank of Wyoming's deals — 207.6x the national average. This is a clear specialist, not a generalist who happens to do some mining & oil/gas lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 14 504 loans, which use fixed SBA debenture rates.
States where First Northern Bank of Wyoming has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Mining & Oil/Gas
Mining & Oil/Gas
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Manufacturing
Manufacturing
Real Estate
Real Estate
Food & Beverage Stores
Retail Trade
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for First Northern Bank of Wyoming, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wyoming · Mining & Oil/Gas · $150K – $350K | 7(a) | 7 | P+2.70% | $217K | Q3 2025 |
| Wyoming · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.75% | $111K | Q3 2025 |
| Wyoming · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.75% | $289K | Q2 2024 |
| Wyoming · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.25% | $88K | Q4 2024 |
| Wyoming · Heavy & Civil Engineering · $1M – $2M | 7(a) | 2 | P+3.04% | $1.4M | Q1 2015 |
| Wyoming · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.63% | $248K | Q4 2015 |
| Wyoming · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.38% | $635K | Q3 2016 |
| Wyoming · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.50% | $98K | Q2 2016 |
| Wyoming · General Merchandise · Under $150K | 7(a) | 2 | P+2.38% | $34K | Q4 2016 |
| Wyoming · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+3.92% | $115K | Q4 2012 |
| Wyoming · Auto Repair & Maintenance · $500K – $1M | 7(a) | 2 | P+2.50% | $687K | Q2 2015 |
| Wyoming · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+1.63% | $60K | Q2 2017 |
| Wyoming · Mining & Oil/Gas · Under $150K | 7(a) | 2 | P+2.25% | $68K | Q3 2016 |
| Wyoming · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+2.00% | $75K | Q3 2019 |
| Wyoming · Sporting Goods & Hobby · Under $150K | 7(a) | 1 | P+2.50% | $114K | Q4 2012 |
| Wyoming · Legal Services · Under $150K | 7(a) | 1 | P+2.50% | $128K | Q3 2020 |
| Wyoming · Legal Services · $500K – $1M | 7(a) | 1 | P+2.25% | $520K | Q4 2011 |
| Wyoming · Engineering & Architecture · Under $150K | 7(a) | 1 | P+2.25% | $83K | Q4 2010 |
| Wyoming · Other Professional Services · Under $150K | 7(a) | 1 | P+2.75% | $120K | Q1 2014 |
| Wyoming · Other Professional Services · $150K – $350K | 7(a) | 1 | P+1.00% | $200K | Q3 2025 |
| Wyoming · Physician & Dental Offices · $150K – $350K | 7(a) | 1 | P+2.75% | $191K | Q4 2010 |
| Wyoming · Other Health Practitioners · $150K – $350K | 7(a) | 1 | P+2.25% | $203K | Q1 2012 |
| Wyoming · Other Health Practitioners · $500K – $1M | 7(a) | 1 | P+0.00% | $540K | Q1 2025 |
| Wyoming · Hotels & Accommodation · $150K – $350K | 7(a) | 1 | P+2.00% | $250K | Q2 2016 |
| Wyoming · Restaurants & Food Service · $1M – $2M | 7(a) | 1 | P+2.00% | $1.1M | Q2 2015 |
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Real experiences from borrowers who closed SBA loans with First Northern Bank of Wyoming.
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