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First Financial Bank operates nationwide across all 50 states with a community-bank, high-touch service model. Each borrower works with a dedicated lender and loan assistant who remain the primary contact for the life of the loan. First Financial has deep industry expertise in pharmacy acquisitions, pet care, and farm and ranch lending, and competes head-to-head with larger SBA lenders by prioritizing responsiveness and industry knowledge over volume.
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SBA 7(a) Acquisition Loan Data As Of March 31, 2026
Last 12 Months
Last 3 Years
YoY Growth
stable
As Of March 31, 2026
Median
$1.3M
Average
$1.3M
Sweet Spot
$1M-$2M
Industries with highest loan volume
Broilers and Other Meat Type Chicken Production
50
loans
$1.2M
avg. amount
Broilers and Other Meat Type Chicken Production
Loans
50
Avg. Amount
$1.2M
Pet Care (except Veterinary) Services
38
loans
$1.2M
avg. amount
Pet Care (except Veterinary) Services
Loans
38
Avg. Amount
$1.2M
Pharmacies and Drug Retailers
37
loans
$1.4M
avg. amount
Pharmacies and Drug Retailers
Loans
37
Avg. Amount
$1.4M
General Freight Trucking, Local
18
loans
$2.1M
avg. amount
General Freight Trucking, Local
Loans
18
Avg. Amount
$2.1M
Other Poultry Production
3
loans
$1.3M
avg. amount
Other Poultry Production
Loans
3
Avg. Amount
$1.3M
Couriers and Express Delivery Services
1
loans
$1.9M
avg. amount
Couriers and Express Delivery Services
Loans
1
Avg. Amount
$1.9M
Services for the Elderly and Persons with Disabilities
1
loans
$1.4M
avg. amount
Services for the Elderly and Persons with Disabilities
Loans
1
Avg. Amount
$1.4M
Snack and Nonalcoholic Beverage Bars
1
loans
$135K
avg. amount
Snack and Nonalcoholic Beverage Bars
Loans
1
Avg. Amount
$135K
10-Year Default Rate
0.8%
Percentile Ranking
85th
85th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 0.98% |
| $500K-$1M | Prime + 1.24% |
| $1M-$2M | Prime + 1.51% |
| $2M-$3M | Prime + 1.15% |
| $3M-$4M | Prime + 1.88% |
| $4M-$5M | Prime + 2.00% |
Spread over Prime at time of loan origination
As Of March 31, 2026 - States by loan volume (darker blue = higher volume)