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The Lender Report built this page from public records. First-Citizens Bank & Trust Company has not reviewed it. Every lender's page starts this way, and it says nothing about First-Citizens Bank & Trust Company itself. Each figure shows its source and date. Work at First-Citizens Bank & Trust Company? You can claim this page for free.
SBA 504 record
First-Citizens Bank & Trust Company: SBA 504 first liens made
First-Citizens Bank & Trust Company, a bank based in Raleigh, NC, made 427 SBA 504 first liens in the 36 months ending September 30, 2026, $617.9M in all, net of cancelled approvals. The typical first lien was about $940K, and 173 were in the last 12 months. Most were in California.
- Evidence
- SBA 504 loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 11, 2026
- First liens, 36 months
- 427
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $618M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $940K
- SBA FOIA,
- Largest loan
- $14M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 173
- SBA FOIA,
Cite this
Source: The Lender Report, First-Citizens Bank & Trust Company: SBA 504 first liens made, https://lender.report/lender/first-citizens-bank-and-trust-nc/sba-504/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2026 | Florida | SBA 504, Health Care and Social Assistance | $5.1M | 25 yr | SBA FOIA | ||
| Jul 2026 | California | SBA 504, General Freight Trucking, Local | $840K | 25 yr | SBA FOIA | ||
| May 2026 | Colorado | SBA 504, Lessors of Miniwarehouses and Self-Storage Units | $4.4M | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Engineering Services | $1.7M | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Furniture Merchant Wholesalers | $1.3M | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Insurance Agencies and Brokerages | $870K | 25 yr | SBA FOIA | ||
| May 2026 | Georgia | SBA 504, Health Care and Social Assistance | $780K | 25 yr | SBA FOIA | ||
| May 2026 | Georgia | SBA 504, Retail Trade | $670K | 25 yr | SBA FOIA | ||
| May 2026 | Georgia | SBA 504, Health Care and Social Assistance | $160K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Other Miscellaneous Durable Goods Merchant Wholesalers | $6M | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, New Multifamily Housing Construction (except For-Sale Builders) | $2.3M | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Administrative and Support and Waste Management and Remediation Services | $940K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Full-Service Restaurants | $750K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Plumbing, Heating, and Air-Conditioning Contractors | $740K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Electronic and Precision Equipment Repair and Maintenance | $630K | 25 yr | SBA FOIA | ||
| Mar 2026 | Colorado | SBA 504, Offices of Physical, Occupational and Speech Therapists, and Audiologists | $2M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Arts, Entertainment, and Recreation | $1.9M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Automotive Body, Paint, and Interior Repair and Maintenance | $1.4M | 25 yr | SBA FOIA | ||
| Mar 2026 | Texas | SBA 504, Offices of Lawyers | $1.2M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Other Personal Care Services | $1.1M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Nursing Care Facilities (Skilled Nursing Facilities) | $1M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Nursing Care Facilities (Skilled Nursing Facilities) | $800K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Other Grocery and Related Products Merchant Wholesalers | $620K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Full-Service Restaurants | $500K | 25 yr | SBA FOIA | ||
| Mar 2026 | Florida | SBA 504, Veterinary Services | $450K | 25 yr | SBA FOIA | ||
| 427 SBA 504 first liens since October 2023, net of cancelled | $618M | SBA FOIA | |||||
A blank means the source did not report it.
| State | First liens | Dollars |
|---|---|---|
| California | 304 | $442M |
| Florida | 42 | $56.9M |
| Georgia | 14 | $14.0M |
| Arizona | 11 | $9.99M |
| Nevada | 9 | $19.3M |
| Texas | 9 | $13.1M |
| Washington | 6 | $18.3M |
| Colorado | 4 | $11.3M |
| North Carolina | 4 | $3.67M |
| Utah | 4 | $4.13M |
| New York | 3 | $1.87M |
| Alaska | 2 | $2.29M |
SBA loans are on record by state only.
| Loan size | First liens | Dollars |
|---|---|---|
| Under $150K | 2 | $173K |
| $150K to $350K | 27 | $7.54M |
| $350K to $1M | 197 | $132M |
| $1M to $2.5M | 145 | $223M |
| $2.5M or more | 56 | $256M |
| Quarter | First liens | Dollars |
|---|---|---|
| 2023 Q4 | 61 | $97.7M |
| 2024 Q1 | 56 | $85.9M |
| 2024 Q2 | 48 | $50.3M |
| 2024 Q3 | 74 | $115M |
| 2024 Q4 | 38 | $45.2M |
| 2025 Q1 | 32 | $48.7M |
| 2025 Q2 | 22 | $35.6M |
| 2025 Q3 | 39 | $53.4M |
| 2025 Q4 | 14 | $14.0M |
| 2026 Q1 | 28 | $45.0M |
| 2026 Q2 | 13 | $21.2M |
| 2026 Q3 | 2 | $5.94M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | First liens |
|---|---|
| Automotive Body, Paint, and Interior Repair and Maintenance (811121) | 20 |
| Offices of Physicians (except Mental Health Specialists) (621111) | 19 |
| All Other Specialty Trade Contractors (238990) | 16 |
| Full-Service Restaurants (722511) | 16 |
| Manufacturing | 15 |
| Offices of Lawyers (541110) | 14 |
| General Automotive Repair (811111) | 13 |
| Limited-Service Restaurants (722513) | 11 |
| Child Care Services (624410) | 9 |
| Wholesale Trade | 9 |
| Offices of Dentists (621210) | 8 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) (445110) | 8 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Accredited Lenders Program | 279 |
| 504 Refinancing Program | 55 |
| ALP Express | 43 |
| 504 Basic | 37 |
| Premier Certified Lenders Program | 7 |
| ALP Express Debt Refi | 5 |
| Certified Development Company | Projects |
|---|---|
| California Statewide Certified Development Corporation | 99 |
| Business Finance Capital | 97 |
| The Mortgage Capital Development Corporation | 69 |
| Florida Business Development Corporation | 27 |
| Southland Economic Development Corporation | 17 |
| Florida First Capital Finance Corporation, Inc. | 15 |
| Advantage Certified Development Corporation | 11 |
| AMPAC Tri-State CDC, Inc. | 11 |
| Capital Access Group, Inc. | 9 |
| Mountain West Small Business Finance | 6 |
- First-Citizens Bank & Trust Company made 427 SBA 504 first liens totaling $617.9M in the 36 months ending September 30, 2026, net of cancelled approvals, in 23 states. SBA FOIA,
- The SBA file shows 173 approvals naming First-Citizens Bank & Trust Company as first-lien lender dated in the 12 months to September 30, 2026, and 190 in the 12 months before. Both counts leave out cancelled approvals and include approvals not yet funded, so the two periods are measured the same way. SBA FOIA,
- The typical first lien was about $940K, with the middle half between $610K and $1.7M. SBA FOIA,
- The largest was about $14M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 2 loans were under $150K, and 201 were $1M or more. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Its loans went most often to Automotive Body, Paint, and Interior Repair and Maintenance, with 20. SBA FOIA,
- The SBA file lists 279 of its loans as processed under Accredited Lenders Program. SBA FOIA,
- It worked with 40 Certified Development Companies, most often California Statewide Certified Development Corporation. SBA FOIA,
- Its loans were most often in California (304), Florida (42) and Georgia (14). SBA FOIA,
What we don't know
- Whether First-Citizens Bank & Trust Company is taking new SBA 504 loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
SBA 504 figures count the first-lien lender on each SBA approval. Dollars are first-lien amounts.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.