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
547
2010–2026
Total Volume
$462M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
547 total segments
First United Bank and Trust Company has a strong focus on the restaurant and food service industry, making it a great option for borrowers in this sector. With 70 deals in this category, they clearly understand the unique needs of food service businesses.
With an average deal size of $843,721 and a significant number of deals in the $500K-$1M range (125 deals), First United Bank and Trust Company is well-suited for borrowers looking for mid-sized loans, particularly for acquisitions or expansions.
While First United Bank and Trust Company has a 12% share of 504 loans, which is lower than the national average of 18%, this indicates they may not be the best choice for borrowers specifically seeking 504 financing for real estate or heavy equipment.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 67 504 loans, which use fixed SBA debenture rates.
States where First United Bank and Trust Company has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Administrative & Waste Services
Administrative & Waste Services
Other Repair & Services
Other Services
+ 7 more
All recorded SBA lending activity for First United Bank and Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 12 | P+2.25% | $257K | Q3 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 12 | P+2.00% | $691K | Q3 2025 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 11 | P+2.00% | $435K | Q2 2024 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 7 | P+2.00% | $1.5M | Q4 2025 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 6 | P+2.75% | $273K | Q3 2025 |
| Texas · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 6 | P+2.13% | $265K | Q4 2024 |
| Texas · Other Health Practitioners · $500K – $1M | 7(a) | 6 | P+1.88% | $785K | Q3 2024 |
| Oklahoma · Arts, Entertainment & Recreation · $350K – $500K | 7(a) | 5 | P+2.00% | $400K | Q2 2024 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+1.75% | $125K | Q4 2025 |
| Texas · Arts, Entertainment & Recreation · $350K – $500K | 7(a) | 5 | P+2.00% | $396K | Q2 2021 |
| Oklahoma · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+1.50% | $723K | Q3 2021 |
| Texas · Physician & Dental Offices · $500K – $1M | 7(a) | 5 | P+2.25% | $646K | Q3 2021 |
| Oklahoma · Manufacturing · $500K – $1M | 7(a) | 5 | P+2.00% | $765K | Q3 2025 |
| Texas · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 5 | P+2.25% | $1.7M | Q3 2024 |
| Oklahoma · Other Health Practitioners · $150K – $350K | 7(a) | 5 | P+2.25% | $271K | Q1 2025 |
| Oklahoma · Manufacturing · $350K – $500K | 7(a) | 4 | P+1.88% | $462K | Q2 2025 |
| Texas · Other Health Practitioners · $350K – $500K | 7(a) | 4 | P+2.00% | $446K | Q3 2023 |
| Texas · Transportation & Warehousing · $2M – $5M | 7(a) | 4 | P+1.88% | $2.5M | Q3 2021 |
| Texas · Other Professional Services · $150K – $350K | 7(a) | 4 | P+2.13% | $270K | Q1 2025 |
| Texas · Management & IT Consulting · Under $150K | 7(a) | 4 | P+2.25% | $120K | Q3 2017 |
| Texas · Gas Stations · $500K – $1M | 7(a) | 4 | P+2.50% | $660K | Q2 2014 |
| Texas · Wholesale Trade · $500K – $1M | 7(a) | 4 | P+2.00% | $834K | Q3 2022 |
| Texas · Manufacturing · $500K – $1M | 7(a) | 4 | P+1.88% | $786K | Q2 2024 |
| Texas · Manufacturing · $2M – $5M | 7(a) | 4 | P+2.25% | $4.1M | Q1 2025 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 4 | P+2.38% | $249K | Q1 2022 |
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