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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
expanding
As Of March 31, 2026
Median
$1.4M
Average
$1.9M
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
3
loans
$1.1M
avg
Landscaping Services
2
loans
$775K
avg. amount
Landscaping Services
2
loans
$775K
avg
Computer Facilities Management Services
2
loans
$1.1M
avg. amount
Computer Facilities Management Services
2
loans
$1.1M
avg
Marketing Consulting Services
2
loans
$2.0M
avg. amount
Marketing Consulting Services
2
loans
$2.0M
avg
General Automotive Repair
2
loans
$1.1M
avg. amount
General Automotive Repair
2
loans
$1.1M
avg
Full-Service Restaurants
2
loans
$1.9M
avg. amount
Full-Service Restaurants
2
loans
$1.9M
avg
Pet Care (except Veterinary) Services
1
loans
$1.0M
avg. amount
Pet Care (except Veterinary) Services
1
loans
$1.0M
avg
Furniture Merchant Wholesalers
1
loans
$4.5M
avg. amount
Furniture Merchant Wholesalers
1
loans
$4.5M
avg
Convenience Retailers
1
loans
$745K
avg. amount
Convenience Retailers
1
loans
$745K
avg
Fabricated Structural Metal Manufacturing
1
loans
$5.0M
avg. amount
Fabricated Structural Metal Manufacturing
1
loans
$5.0M
avg
10-Year Default Rate
2.3%
Percentile Ranking
90th
90th percentile
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.38% |
| $500K-$1M | Prime + 2.02% |
| $1M-$2M | Prime + 2.00% |
| $2M-$3M | Prime + 1.50% |
| $3M-$4M | Prime + 2.50% |
| $4M-$5M | Prime + 2.17% |
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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