First-Citizens Bank & Trust Company
Headquartered in RALEIGH, NC. Analysis based on 647 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $644.1M.
Total 7(a) loans
647
Total approved
$644.1M
Average loan
$996K
States funded in
30
Charge-off rate
0.24%
FY2020–FY2023 cohort
Paid-in-full rate
26.59%
Average rate
7.41%
Average term
186 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 621210 | Offices of Dentists | 53 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 38 |
| 621310 | Offices of Chiropractors | 22 |
| 722511 | Full-Service Restaurants | 19 |
| 446110 | Pharmacies and Drug Stores | 15 |
| 624410 | Child Day Care Services | 15 |
| 541211 | Offices of Certified Public Accountants | 13 |
| 541110 | Offices of Lawyers | 12 |
| 811111 | General Automotive Repair | 12 |
| 541940 | Veterinary Services | 11 |
Top 10 states
| State | Loans |
|---|---|
| CA | 162 |
| NC | 75 |
| FL | 63 |
| SC | 58 |
| GA | 46 |
| WA | 43 |
| TX | 42 |
| VA | 31 |
| AZ | 26 |
| CO | 19 |
Top franchise brands financed
69 franchise loans across 43 distinct brands.
| Franchise | Loans |
|---|---|
| Wild Birds Unlimited | 15 |
| Health Mart Pharmacy | 4 |
| The UPS Store (f/k/a Mail Box | 3 |
| Wow Wow Hawaiian Lemonade | 3 |
| Code Ninjas | 2 |
| PuroClean | 2 |
| Servpro | 2 |
| Pure Barre | 2 |
| Vicky Bakery | 2 |
| Craft Axe Throwing | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.