Unverified listing What this means
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 7(a) record
First-Citizens Bank & Trust Company: SBA 7(a) loans made
First-Citizens Bank & Trust Company, a bank based in Raleigh, NC, made 394 SBA 7(a) loans in the 36 months ending September 30, 2026, $408.5M in all, net of cancelled approvals. The typical loan was about $560K, and 186 were in the last 12 months. Most were in California.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 394
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $408M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $560K
- SBA FOIA,
- Largest loan
- $5M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 186
- SBA FOIA,
Cite this
Source: The Lender Report, First-Citizens Bank & Trust Company: SBA 7(a) loans made, https://lender.report/lender/first-citizens-bank-and-trust-nc/sba-7a/, 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 |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Texas | SBA 7(a), Offices of Dentists | $2.8M | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Maryland | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $2.5M | 8.25% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Transportation and Warehousing | $2.3M | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Transportation and Warehousing | $2.1M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Other Management Consulting Services | $2M | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Offices of Dentists | $1.9M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Full-Service Restaurants | $1.9M | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Information | $1.6M | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Flooring Contractors | $1.2M | 9.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Full-Service Restaurants | $1.1M | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Tennessee | SBA 7(a), All Other Amusement and Recreation Industries | $940K | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | South Carolina | SBA 7(a), Landscaping Services | $920K | 9.75% | 20 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Insurance Agencies and Brokerages | $840K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Limited-Service Restaurants | $700K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $650K | 9% | 25 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Other Personal Care Services | $600K | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Other Services to Buildings and Dwellings | $490K | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Colorado | SBA 7(a), Architectural Services | $470K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Offices of Physicians (except Mental Health Specialists) | $440K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers | $400K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), All Other Specialty Trade Contractors | $400K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | South Carolina | SBA 7(a), General Freight Trucking, Local | $350K | 10% | 10 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Freight Transportation Arrangement | $300K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | South Carolina | SBA 7(a), General Automotive Repair | $280K | 10% | 10 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $250K | 10% | 10 yr | SBA FOIA | |
| 394 SBA 7(a) loans since October 2023, net of cancelled | $408M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| California | 78 | $74.3M |
| South Carolina | 64 | $65.0M |
| North Carolina | 60 | $50.5M |
| Florida | 38 | $42.0M |
| Georgia | 31 | $41.4M |
| Virginia | 28 | $26.2M |
| Arizona | 15 | $10.9M |
| Tennessee | 14 | $21.9M |
| Texas | 11 | $12.3M |
| Washington | 11 | $14.8M |
| Maryland | 8 | $12.3M |
| Colorado | 7 | $6.71M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 17 | $1.55M |
| $150K to $350K | 59 | $14.1M |
| $350K to $1M | 196 | $112M |
| $1M to $2.5M | 82 | $130M |
| $2.5M or more | 40 | $151M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 18 | $22.7M |
| 2024 Q1 | 29 | $35.4M |
| 2024 Q2 | 22 | $23.6M |
| 2024 Q3 | 25 | $28.0M |
| 2024 Q4 | 32 | $45.8M |
| 2025 Q1 | 23 | $24.9M |
| 2025 Q2 | 31 | $27.2M |
| 2025 Q3 | 28 | $32.6M |
| 2025 Q4 | 25 | $17.8M |
| 2026 Q1 | 44 | $40.8M |
| 2026 Q2 | 52 | $54.5M |
| 2026 Q3 | 65 | $55.3M |
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) | Loans |
|---|---|
| Full-Service Restaurants (722511) | 18 |
| Offices of Dentists (621210) | 18 |
| Offices of Physicians (except Mental Health Specialists) (621111) | 12 |
| Child Care Services (624410) | 10 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 10 |
| General Automotive Repair (811111) | 9 |
| Landscaping Services (561730) | 9 |
| Manufacturing | 8 |
| Manufacturing | 8 |
| Wholesale Trade | 8 |
| Retail Trade | 7 |
| General Freight Trucking, Local (484110) | 6 |
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 |
|---|---|
| Preferred Lenders Program | 239 |
| SBA Express Program | 149 |
| 7a General | 6 |
- First-Citizens Bank & Trust Company made 394 SBA 7(a) loans totaling $408.5M in the 36 months ending September 30, 2026, net of cancelled approvals, in 26 states. SBA FOIA,
- 186 of them were in the 12 months to September 30, 2026, and 114 in the 12 months before. SBA FOIA,
- The typical loan was about $560K, with the middle half between $400K and $1.3M. SBA FOIA,
- The largest was about $5M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 17 loans were under $150K, and 122 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 9.75% on 394 loans, with the middle half between 9.00% and 10.25%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Full-Service Restaurants, with 18. SBA FOIA,
- The SBA file lists 239 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in California (78), South Carolina (64) and North Carolina (60). SBA FOIA,
What we don't know
- Whether First-Citizens Bank & Trust Company is taking new SBA 7(a) 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.
Loans are SBA approvals, net of cancelled approvals.
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.