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
135
2010–2026
Total Volume
$36M
Gross loan amounts
States Active
8
With recorded loans
Programs
7(a) & 504
134 total segments
FNB Bank, Inc. has a strong focus on small deals, with 76% of their SBA loans under $150K. This makes them a good fit for borrowers seeking smaller amounts.
With an average 7(a) spread of P+1.60%, FNB Bank offers competitive pricing compared to the national median of P+2.75%. This can lead to significant savings on interest.
FNB Bank's growth trend shows a decline of 40% year-over-year in SBA deals, indicating potential challenges in their lending capacity. Borrowers should be cautious about approval likelihood.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 10 504 loans, which use fixed SBA debenture rates.
States where FNB Bank, Inc. has recorded SBA lending activity.
+ 3 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Agriculture & Forestry
Agriculture & Forestry
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
Other Professional Services
Professional Services
Hotels & Accommodation
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for FNB Bank, Inc., grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kentucky · Retail Trade · Under $150K | 7(a) | 8 | P+2.88% | $53K | Q1 2017 |
| Kentucky · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.75% | $98K | Q4 2014 |
| Kentucky · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+2.00% | $68K | Q1 2023 |
| Kentucky · Physician & Dental Offices · Under $150K | 7(a) | 5 | P+1.99% | $105K | Q2 2020 |
| Kentucky · Management & IT Consulting · Under $150K | 7(a) | 4 | P+1.75% | $71K | Q2 2020 |
| Kentucky · Agriculture & Forestry · Under $150K | 7(a) | 3 | P+1.50% | $67K | Q1 2015 |
| Kentucky · Accounting & Tax · Under $150K | 7(a) | 3 | P+2.25% | $82K | Q3 2013 |
| Kentucky · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+1.56% | $390K | Q4 2024 |
| West Virginia · Other Professional Services · $150K – $350K | 7(a) | 2 | P+0.25% | $175K | Q2 2022 |
| Kentucky · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+1.21% | $184K | Q1 2023 |
| Kentucky · Miscellaneous Retail · $350K – $500K | 7(a) | 2 | P+0.93% | $500K | Q2 2023 |
| Kentucky · Agriculture & Forestry · $150K – $350K | 7(a) | 2 | P+1.09% | $275K | Q3 2019 |
| Kentucky · Other Professional Services · $150K – $350K | 7(a) | 2 | P+2.50% | $350K | Q1 2020 |
| Kentucky · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.00% | $100K | Q1 2011 |
| Kentucky · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.19% | $136K | Q3 2014 |
| Kentucky · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.00% | $336K | Q4 2020 |
| Kentucky · Education · Under $150K | 7(a) | 2 | P+1.23% | $45K | Q1 2020 |
| Kentucky · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.75% | $74K | Q4 2009 |
| Kentucky · Hotels & Accommodation · $1M – $2M | 504 | 2 | — | $1.4M | Q3 2019 |
| Colorado · Agriculture & Forestry · $150K – $350K | 7(a) | 2 | P+-0.10% | $259K | Q4 2024 |
| Maryland · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+0.38% | $125K | Q2 2023 |
| Kansas · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+2.50% | $130K | Q3 2017 |
| Kansas · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.45% | $114K | Q3 2021 |
| Maryland · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+3.88% | $28K | Q3 2013 |
| Kentucky · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.13% | $237K | Q4 2014 |
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