First Guaranty Bank
Headquartered in HAMMOND, LA. Analysis based on 50 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $21.7M.
Total 7(a) loans
50
Total approved
$21.7M
Average loan
$435K
States funded in
5
Charge-off rate
5.00%
FY2020–FY2023 cohort
Paid-in-full rate
15.00%
Average rate
6.46%
Average term
144 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 446130 | Optical Goods Stores | 6 |
| 722410 | Drinking Places (Alcoholic Beverages) | 6 |
| 722513 | Limited-Service Restaurants | 5 |
| 447110 | Gasoline Stations with Convenience Stores | 2 |
| 424210 | Drugs and Druggists' Sundries Merchant Wholesalers | 2 |
| 621610 | Home Health Care Services | 2 |
| 541940 | Veterinary Services | 2 |
| 541613 | Marketing Consulting Services | 2 |
| 541519 | Other Computer Related Services | 2 |
| 339999 | All Other Miscellaneous Manufacturing | 2 |
Top 10 states
| State | Loans |
|---|---|
| TX | 25 |
| LA | 20 |
| AR | 2 |
| PA | 2 |
| MS | 1 |
Top franchise brands financed
11 franchise loans across 5 distinct brands.
| Franchise | Loans |
|---|---|
| My Eye Lab | 6 |
| The Salad Station | 2 |
| Buckhorn Grill/Buckhorn BBQ/Bu | 1 |
| ChemStation | 1 |
| Team Combat | 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.