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
85
2011–2026
Total Volume
$97M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
85 total segments
Most active in Florida (44% of deals) and focuses heavily on hotels & accommodation (20% of deals).
Hotels & Accommodation makes up 20% of First Port City Bank's deals — 102.6x the national average. This is a clear specialist, not a generalist who happens to do some hotels & accommodation lending.
48% of First Port City Bank's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 12 504 loans, which use fixed SBA debenture rates.
States where First Port City Bank has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Social Assistance
Health Care & Social Assistance
Agriculture & Forestry
Agriculture & Forestry
Other Health Practitioners
Health Care & Social Assistance
Food & Beverage Stores
Retail Trade
Retail Trade
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for First Port City Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Social Assistance · $500K – $1M | 7(a) | 5 | P+1.25% | $822K | Q1 2022 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 3 | P+1.75% | $3.2M | Q2 2025 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+1.50% | $917K | Q1 2024 |
| Florida · Administrative & Waste Services · $500K – $1M | 7(a) | 2 | P+2.13% | $609K | Q3 2021 |
| Florida · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+2.00% | $183K | Q3 2024 |
| Georgia · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+3.00% | $70K | Q1 2023 |
| Georgia · Food & Beverage Stores · $1M – $2M | 7(a) | 2 | P+1.88% | $1.3M | Q1 2025 |
| Georgia · Agriculture & Forestry · $1M – $2M | 7(a) | 2 | P+3.00% | $1.3M | Q3 2019 |
| Georgia · Agriculture & Forestry · $500K – $1M | 7(a) | 2 | P+1.88% | $568K | Q4 2023 |
| Florida · Social Assistance · $1M – $2M | 7(a) | 2 | P+1.88% | $1.4M | Q2 2024 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.00% | $257K | Q2 2021 |
| Georgia · Real Estate · $350K – $500K | 7(a) | 2 | P+1.75% | $428K | Q1 2025 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+1.75% | $645K | Q3 2024 |
| Florida · Auto Repair & Maintenance · $500K – $1M | 7(a) | 1 | P+2.25% | $740K | Q2 2022 |
| Florida · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+2.25% | $143K | Q4 2023 |
| Florida · Laundry & Dry Cleaning · $1M – $2M | 7(a) | 1 | P+2.00% | $1.3M | Q4 2020 |
| Florida · Retail Trade · Under $150K | 7(a) | 1 | P+2.00% | $50K | Q4 2021 |
| Florida · Retail Trade · $1M – $2M | 7(a) | 1 | P+2.00% | $1.1M | Q4 2019 |
| Florida · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+2.25% | $276K | Q3 2020 |
| Florida · Administrative & Waste Services · $1M – $2M | 7(a) | 1 | P+1.50% | $1.6M | Q1 2022 |
| Florida · Education · $500K – $1M | 7(a) | 1 | P+2.50% | $917K | Q4 2020 |
| Georgia · Food & Beverage Stores · $2M – $5M | 7(a) | 1 | P+1.75% | $2.9M | Q1 2025 |
| Georgia · Food & Beverage Stores · $350K – $500K | 7(a) | 1 | P+1.75% | $410K | Q3 2025 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 1 | P+1.50% | $570K | Q2 2024 |
| Georgia · Miscellaneous Retail · $150K – $350K | 7(a) | 1 | P+2.00% | $278K | Q3 2024 |
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