First-citizens Bank & Trust Company: SBA Lending Activity & Industry Focus
Based on historical SBA 7(a) lending data.
Total Approvals
114
by First-citizens Bank & Trust Company
Total Volume
$107,056,000
approved amount
Median Loan Size
$690,000
per approval
Recent Activity
12
last 90 days through Nov 2025
First-citizens Bank & Trust Company is a regional lender primarily serving California, North Carolina, Florida lending across 31 different industries. With 114 SBA 7(a) approvals and a typical loan size of $690,000, their lending data provides a detailed picture of where and how they deploy SBA capital.
What you should know
Key insights derived from First-citizens Bank & Trust Company's SBA 7(a) lending history
Accelerating SBA activity
First-citizens Bank & Trust Company's SBA lending is trending up — 17 approvals in the last 6 months vs. 12 in the prior period (+42%). Increasing volume can signal improved capacity and appetite for new borrowers.
Sweet spot: $350K–$1M loans
45% of First-citizens Bank & Trust Company's SBA loans fall in the $350K–$1M range. Their typical loan (median) is $680,000, with the middle 50% of loans between $350,000 and $1,360,000. If your loan request is in this range, you may see a faster, smoother process.
Regional focus: California, North Carolina, Florida
First-citizens Bank & Trust Company concentrates their SBA lending in 17 states, with 51% of activity in California (28%), North Carolina (11%), Florida (11%). Regional lenders often have strong local relationships and may offer more competitive terms in their core markets.
Active SBA participant
First-citizens Bank & Trust Company has 114 SBA 7(a) approvals on record. While not among the highest-volume lenders, they maintain an active SBA program. Response times and processing experience may vary.
Larger-than-average loan sizes
First-citizens Bank & Trust Company's median loan of $690,000 is significantly above the SBA 7(a) average. This suggests they're comfortable with larger deals — good news if you need substantial financing, but they may have higher minimum loan amounts.
Diversified: 31 industries served
First-citizens Bank & Trust Company lends across 31 different industry sectors with no single industry dominating. This broad experience means they can likely evaluate most business types, though they may not have deep expertise in any specific niche.
Lending trends for First-citizens Bank & Trust Company
Loan size distribution
Based on 115 SBA 7(a) approvals
Summary
Median (50th percentile)
$680,000
25th percentile
$350,000
75th percentile
$1,360,000
Average
$931,409
Typical range
State-by-state lending activity
| # | State | Approvals |
|---|---|---|
| 1 | California | 32 |
| 2 | North Carolina | 13 |
| 3 | Florida | 13 |
| 4 | Georgia | 9 |
| 5 | South Carolina | 8 |
| 6 | Virginia | 7 |
| 7 | Washington | 7 |
| 8 | Texas | 6 |
| 9 | Maryland | 5 |
| 10 | Arizona | 3 |
| 11 | Oregon | 3 |
| 12 | Tennessee | 3 |
| 13 | Wisconsin | 1 |
| 14 | Massachusetts | 1 |
| 15 | Oklahoma | 1 |
| 16 | Colorado | 1 |
| 17 | Ohio | 1 |
First-citizens Bank & Trust Company by industry
Industry focus
Recent SBA 7(a) approvals by First-citizens Bank & Trust Company
| Month | Borrower | Location | Industry | Amount |
|---|---|---|---|---|
| 2025-11 | Wel*****LLC | Maryville, TN | Full-Service Restaurants | $2,100,000 |
| 2025-11 | Ess*****LLC | Boston, MA | Computer Facilities Management Services | $520,000 |
| 2025-08 | Asc*****nc. | ATLANTA, GA | Other Computer Related Services | $500,000 |
| 2025-08 | Tac*****nc. | Royal Palm Beach, FL | — | $400,000 |
| 2025-08 | Fla*****LLC | Augusta, GA | — | $1,618,000 |
| 2025-08 | The*****ion | Florence, AZ | Plumbing, Heating, and Air-Conditioning Contractors | $800,000 |
| 2025-08 | Ric*****LC. | MIDLOTHIAN, VA | All Other Professional, Scientific, and Technical Services | $150,000 |
| 2025-08 | Sig*****LLC | JUPITER, FL | Offices of Podiatrists | $350,000 |
| 2025-08 | Pod*****Inc | PALM BEACH GARDENS, FL | Offices of Podiatrists | $350,000 |
| 2025-06 | Bui*****any | APEX, NC | Drywall and Insulation Contractors | $500,000 |
| 2025-06 | The*****LLC | GREENVILLE, SC | Other Computer Related Services | $500,000 |
| 2025-06 | BRO*****NC. | Blythewood, SC | Plumbing, Heating, and Air-Conditioning Contractors | $1,494,000 |
| 2025-05 | Nor*****LLC | ATHENS, GA | Commercial and Industrial Machinery and Equipment (except Automotive a | $1,375,000 |
| 2025-03 | Sul*****LLC | RUTHER GLEN, VA | Landscaping Services | $724,000 |
| 2025-03 | Cox*****LLC | Spartanburg, SC | Roofing Contractors | $500,000 |
| 2025-03 | Pat*****nc. | Ventura, CA | Flooring Contractors | $957,000 |
| 2025-02 | R3*** | FREDERICK, MD | Other Scientific and Technical Consulting Services | $1,360,000 |
| 2024-12 | Alt*****LLC | Akron, OH | Custom Compounding of Purchased Resins | $4,500,000 |
| 2024-11 | Car*****LLC | MOSELEY, VA | Car Washes | $1,423,000 |
| 2024-10 | Mas****LLC | Silver Spring, MD | Coin-Operated Laundries and Drycleaners | $3,359,000 |
| 2024-10 | On *****LLC | Winlock, WA | — | $806,000 |
| 2024-08 | IMU*****LLC | ORLANDO, FL | Metal Service Centers and Other Metal Merchant Wholesalers | $68,000 |
| 2024-08 | PGA*****LLC | Charlotte, NC | Landscaping Services | $825,000 |
| 2024-08 | Hoo*****LLC | Leona Valley, CA | General Automotive Repair | $561,000 |
| 2024-08 | Com*****LLC | RALEIGH, NC | Industrial Building Construction | $350,000 |
| 2024-08 | Har*****LLP | San Diego, CA | Offices of Certified Public Accountants | $1,000,000 |
| 2024-08 | Gra*****LLC | Laguna Hills, CA | Other Grocery and Related Products Merchant Wholesalers | $350,000 |
| 2024-06 | LG ***** LP | San Antonio, TX | Commercial and Industrial Machinery and Equipment (except Automotive a | $746,000 |
| 2024-05 | Clu*****LLC | Boones Mill, VA | Pet Care (except Veterinary) Services | $1,000,000 |
| 2024-04 | Wea*****LLC | INMAN, SC | All Other Miscellaneous Textile Product Mills | $250,000 |
| 2024-04 | Sco*****LLC | PEACHTREE CORNERS, GA | Offices of Physical, Occupational and Speech Therapists, and Audiologi | $100,000 |
| 2024-03 | ALL*****LLC | ORANGEVALE, CA | Homes for the Elderly | $189,000 |
| 2024-02 | Asp*****ted | SANTA ANA, CA | Administrative Management and General Management Consulting Services | $175,000 |
| 2024-02 | LA***LLC | GOODLETTSVILLE, TN | Child Day Care Services | $5,000,000 |
| 2024-02 | Sam****LLC | Costa Mesa, CA | — | $575,000 |
| 2024-02 | CSM*****LTD | Eugene, OR | All Other Insurance Related Activities | $1,067,000 |
| 2024-01 | Doc*****LLC | WINSTON SALEM, NC | Offices of Physicians (except Mental Health Specialists) | $615,000 |
| 2023-08 | Bri*****LLC | ROCK HALL, MD | Homes for the Elderly | $1,749,200 |
| 2023-08 | BHV*****LLC | AUSTIN, TX | Pet Care (except Veterinary) Services | $2,000,000 |
| 2023-06 | Mot*****LLC | CORAL SPRINGS, FL | Motion Picture and Video Production | $350,000 |
| 2023-04 | LT***INC | COSTA MESA, CA | Wood Kitchen Cabinet and Countertop Manufacturing | $350,000 |
| 2023-03 | NON*****LLC | SOUTHPORT, NC | Retail Bakeries | $74,000 |
| 2023-02 | 7 B*****LLC | MONROE, NC | General Line Grocery Merchant Wholesalers | $555,000 |
| 2023-02 | OC *****.C. | ALISO VIEJO, CA | Offices of Physicians (except Mental Health Specialists) | $785,000 |
| 2023-02 | BUS*****NC. | WALNUT CREEK, CA | Electrical Contractors | $350,000 |
| 2023-02 | TMS****LLC | Fruit Cove, FL | Offices of Dentists | $1,210,000 |
| 2022-12 | Red*****son | MURRIETA, CA | General Automotive Repair | $308,000 |
| 2022-12 | Hic****Tax | CAMPBELL, CA | Offices of Certified Public Accountants | $940,000 |
| 2022-11 | Won*****LLC | ROANOKE, VA | — | $2,418,000 |
| 2022-10 | Eri*****LLC | GILBERT, AZ | Insurance Agencies and Brokerages | $350,000 |
Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.
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