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
128
2012–2026
Total Volume
$47M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a)
128 total segments
FNBC Bank focuses heavily on startups, with 51% of their deals going to new businesses. This could be a great fit if you're launching a new venture.
With an average 7(a) spread of P+2.07%, FNBC Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
The bank has a strong growth trend, increasing their deals by 38% year-over-year. This suggests they are actively expanding and may be more willing to lend.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where FNBC Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Administrative & Waste Services
Administrative & Waste Services
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Agriculture & Forestry
Agriculture & Forestry
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for FNBC Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Arkansas · Administrative & Waste Services · Under $150K | 7(a) | 9 | P+2.00% | $89K | Q4 2021 |
| Arkansas · Agriculture & Forestry · Under $150K | 7(a) | 9 | P+1.25% | $36K | Q4 2020 |
| Arkansas · Retail Trade · Under $150K | 7(a) | 5 | P+3.50% | $25K | Q3 2020 |
| Arkansas · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+1.25% | $49K | Q4 2022 |
| Arkansas · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.13% | $55K | Q4 2024 |
| Arkansas · Other Health Practitioners · Under $150K | 7(a) | 4 | P+2.13% | $78K | Q3 2022 |
| Arkansas · Retail Trade · $150K – $350K | 7(a) | 4 | P+2.75% | $215K | Q3 2020 |
| Arkansas · Manufacturing · Under $150K | 7(a) | 3 | P+2.75% | $27K | Q1 2017 |
| Arkansas · Engineering & Architecture · Under $150K | 7(a) | 3 | P+2.75% | $62K | Q2 2025 |
| Arkansas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.25% | $92K | Q1 2025 |
| Arkansas · Gas Stations · $150K – $350K | 7(a) | 3 | P+1.34% | $252K | Q3 2019 |
| Arkansas · Legal Services · Under $150K | 7(a) | 2 | P+2.38% | $72K | Q3 2024 |
| Arkansas · Auto Repair & Maintenance · $500K – $1M | 7(a) | 2 | P+2.00% | $680K | Q3 2025 |
| Arkansas · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 2 | P+2.63% | $620K | Q4 2024 |
| Arkansas · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.88% | $87K | Q1 2025 |
| Arkansas · Legal Services · $150K – $350K | 7(a) | 2 | P+0.97% | $239K | Q3 2022 |
| Arkansas · Other Repair & Services · Under $150K | 7(a) | 2 | P+3.88% | $71K | Q4 2025 |
| Arkansas · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.75% | $275K | Q3 2019 |
| Arkansas · Manufacturing · $1M – $2M | 7(a) | 2 | P+1.55% | $1.3M | Q2 2024 |
| Arkansas · Hotels & Accommodation · $150K – $350K | 7(a) | 2 | P+0.69% | $259K | Q2 2023 |
| Arkansas · Hotels & Accommodation · $1M – $2M | 7(a) | 2 | P+2.13% | $1.4M | Q4 2025 |
| Arkansas · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $106K | Q3 2023 |
| Arkansas · Real Estate · Under $150K | 7(a) | 2 | P+1.75% | $73K | Q3 2021 |
| Arkansas · Miscellaneous Retail · $350K – $500K | 7(a) | 2 | P+0.26% | $429K | Q1 2023 |
| Arkansas · Information & Media · Under $150K | 7(a) | 2 | P+2.00% | $98K | Q2 2019 |
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