First National Bank of Pennsylvania
First National Bank offers comprehensive financial services including personal and business banking, checking and savings accounts, personal loans, credit cards, wealth management, brokerage services, and insurance products across PA, OH, MD, DC, VA, NC, SC, WV.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (56 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
First National Bank of Pennsylvania ranks #71 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of First National Bank of Pennsylvania’s 7(a) acquisition lending falls in the $500K-$1M range: 25 loans, 44.6% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 5 | 8.9% | |
| $500K-$1M | 25 | 44.6% | |
| $1M-$2M | 20 | 35.7% | |
| $2M-$3M | 4 | 7.1% | |
| $3M-$4M | 2 | 3.6% |
Industries with highest loan volume
Plumbing, Heating, and Air-Conditioning Contractors
4
loans
$1.0M
avg. amount
Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance
3
loans
$1.7M
avg. amount
All Other Specialty Trade Contractors
3
loans
$2.0M
avg. amount
Child Care Services
2
loans
$1.1M
avg. amount
General Automotive Repair
2
loans
$1.1M
avg. amount
Commercial Printing (except Screen and Books)
2
loans
$784K
avg. amount
Other Miscellaneous Durable Goods Merchant Wholesalers
2
loans
$1.3M
avg. amount
Offices of Chiropractors
2
loans
$783K
avg. amount
Other Services to Buildings and Dwellings
2
loans
$443K
avg. amount
Pet Care (except Veterinary) Services
2
loans
$1.4M
avg. amount
10-Year
1.4%
Percentile Ranking
86th
86th percentile
First National Bank of Pennsylvania’s median variable rate is + 1.75%, against a market median of Prime + 1.88%, 13 below market.
It priced below the market median in 6 of the last 8 quarters. 9 of the 56 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.58% |
| $500K-$1M | Prime + 1.73% |
| $1M-$2M | Prime + 1.25% |
| $2M-$3M | Prime + 2.33% |
| $3M-$4M | Prime + 1.87% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q4 '23 | Prime + 1.56% | Prime + 2.00% | Prime + 1.42% – Prime + 2.50% | 4 |
| Q1 '24 | Prime + 1.38% | Prime + 2.00% | Prime + 1.48% – Prime + 2.50% | 4 |
| Q2 '24 | Prime + 1.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
| Q3 '24 | Prime + 1.23% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 6 |
| Q4 '24 | Prime + 1.25% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 5 |
| Q1 '25 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q2 '25 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
| Q3 '25 | Prime + 1.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
First National Bank of Pennsylvania has originated 7(a) acquisition loans in 17 states, most actively in Florida (12), Virginia (6) and Pennsylvania (6). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Florida | 12 | 21.4% |
| Virginia | 6 | 10.7% |
| Pennsylvania | 6 | 10.7% |
| North Carolina | 6 | 10.7% |
| Maryland | 4 | 7.1% |
| Illinois | 4 | 7.1% |
| Massachusetts | 3 | 5.4% |
| New York | 3 | 5.4% |
| South Carolina | 3 | 5.4% |
| New Jersey | 2 | 3.6% |
| Connecticut | 1 | 1.8% |
| Indiana | 1 | 1.8% |
| Wisconsin | 1 | 1.8% |
| Georgia | 1 | 1.8% |
| Kentucky | 1 | 1.8% |
| Ohio | 1 | 1.8% |
| Alabama | 1 | 1.8% |
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