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First-Citizens Bank and Trust Company is a North Carolina-based commercial bank founded in 1898, offering comprehensive personal banking, business banking, trust, investment, and wealth management services nationwide.
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SBA 7(a) Acquisition Loan Data As Of March 31, 2026
Last 12 Months
Last 3 Years
YoY Growth
contracting
As Of March 31, 2026
Median
$1.5M
Average
$2.1M
Sweet Spot
$500K-$1M
Industries with highest loan volume
Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance
3
loans
$1.1M
avg. amount
Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance
Loans
3
Avg. Amount
$1.1M
All Other Support Services
3
loans
$5.0M
avg. amount
All Other Support Services
Loans
3
Avg. Amount
$5.0M
Bowling Centers
2
loans
$2.9M
avg. amount
Bowling Centers
Loans
2
Avg. Amount
$2.9M
Landscaping Services
2
loans
$775K
avg. amount
Landscaping Services
Loans
2
Avg. Amount
$775K
Fabricated Structural Metal Manufacturing
2
loans
$5.0M
avg. amount
Fabricated Structural Metal Manufacturing
Loans
2
Avg. Amount
$5.0M
Full-Service Restaurants
2
loans
$1.9M
avg. amount
Full-Service Restaurants
Loans
2
Avg. Amount
$1.9M
Offices of Chiropractors
2
loans
$448K
avg. amount
Offices of Chiropractors
Loans
2
Avg. Amount
$448K
Computer Facilities Management Services
2
loans
$1.1M
avg. amount
Computer Facilities Management Services
Loans
2
Avg. Amount
$1.1M
Marketing Consulting Services
2
loans
$2.0M
avg. amount
Marketing Consulting Services
Loans
2
Avg. Amount
$2.0M
General Automotive Repair
2
loans
$1.1M
avg. amount
General Automotive Repair
Loans
2
Avg. Amount
$1.1M
10-Year Default Rate
2.5%
Percentile Ranking
91th
91th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.17% |
| $500K-$1M | Prime + 2.02% |
| $1M-$2M | Prime + 2.00% |
| $2M-$3M | Prime + 1.50% |
| $3M-$4M | Prime + 2.50% |
| $4M-$5M | Prime + 2.10% |
Spread over Prime at time of loan origination
As Of March 31, 2026 - States by loan volume (darker blue = higher volume)
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