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 — 49 approvals in the last 6 months vs. 31 in the prior period (+58%). Increasing volume can signal improved capacity and appetite for new borrowers.
Sweet spot: $350K–$1M loans
51% of First-citizens Bank & Trust Company's SBA loans fall in the $350K–$1M range. Their typical loan (median) is $631,000, with the middle 50% of loans between $350,000 and $1,175,000. 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 494 SBA 7(a) approvals
Summary
Median (50th percentile)
$631,000
25th percentile
$350,000
75th percentile
$1,175,000
Average
$983,664
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 |
|---|---|---|---|---|
| 2025-12 | EAR*****INC | Newark, CA | All Other Specialty Trade Contractors | $400,000 |
| 2025-12 | DJ *****LLC | West Palm Beach, FL | Full-Service Restaurants | $583,000 |
| 2025-11 | MCu*****LLC | Bluffton, SC | Beauty Salons | $500,000 |
| 2025-11 | Pro*****LLC | Round Rock, TX | Roofing Contractors | $970,000 |
| 2025-11 | Ras*****LLC | Apex, NC | Offices of Lawyers | $150,000 |
| 2025-11 | Omh*****LLC | Columbia, SC | — | $825,000 |
| 2025-11 | Tru*****LLC | North Augusta, SC | Child Day Care Services | $980,000 |
| 2025-11 | Tas*****LLC | Orangeburg, SC | Limited-Service Restaurants | $500,000 |
| 2025-11 | Kid*****LLC | Atlanta, GA | Child Day Care Services | $1,175,000 |
| 2025-11 | Wel*****LLC | Maryville, TN | Full-Service Restaurants | $2,100,000 |
| 2025-11 | Ess*****LLC | Boston, MA | Computer Facilities Management Services | $520,000 |
| 2025-11 | Ku****Inc | Longmont, CO | Drinking Places (Alcoholic Beverages) | $200,000 |
| 2025-11 | Chi*****ted | Lakeway, TX | Glass Product Manufacturing Made of Purchased Glass | $300,000 |
| 2025-11 | Com*****Inc | Moreno Valley, CA | Painting and Wall Covering Contractors | $581,000 |
| 2025-11 | Aki*****LLC | Fuquay Varina, NC | Offices of Certified Public Accountants | $250,000 |
| 2025-11 | LUC*****NC. | Upland, CA | Offices of Optometrists | $300,000 |
| 2025-11 | The*****LLC | FORT LAUDERDALE, FL | Water Supply and Irrigation Systems | $961,000 |
| 2025-09 | Los*****LLC | Wellesley, MA | Marketing Consulting Services | $3,300,000 |
| 2025-09 | Iro*****LLC | Florence, SC | Prefabricated Wood Building Manufacturing | $720,000 |
| 2025-09 | Foc*****LLC | Fayetteville, TN | Plumbing, Heating, and Air-Conditioning Contractors | $350,000 |
| 2025-09 | Til*****LC. | WINTERVILLE, GA | Other Services to Buildings and Dwellings | $150,000 |
| 2025-09 | Cas*****LLC | Boulder, CO | Full-Service Restaurants | $1,395,000 |
| 2025-09 | Joy*****LLC | Wake Forest, NC | — | $255,700 |
| 2025-08 | BW *****LLC | Beverly Hills, CA | Medicinal and Botanical Manufacturing | $400,000 |
| 2025-08 | Cen*****LLC | Van Nuys, CA | Fine Arts Schools | $515,000 |
| 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 | Lam*****nc. | Jacksonville, FL | Furniture Merchant Wholesalers | $4,514,000 |
| 2025-08 | Ric*****LC. | MIDLOTHIAN, VA | All Other Professional, Scientific, and Technical Services | $150,000 |
| 2025-08 | Pod*****Inc | PALM BEACH GARDENS, FL | Offices of Podiatrists | $350,000 |
| 2025-08 | Sig*****LLC | JUPITER, FL | Offices of Podiatrists | $350,000 |
| 2025-08 | Blu*****LLC | Johnson City, TN | Other Activities Related to Real Estate | $1,425,000 |
| 2025-07 | A P*****LLC | Matthews, NC | Child Day Care Services | $1,665,000 |
| 2025-07 | Kno*****nc. | Knoxville, TN | Offices of Chiropractors | $1,960,000 |
| 2025-07 | Mot*****LLC | Lexington, SC | Full-Service Restaurants | $1,720,000 |
| 2025-07 | Gat*****LLC | Portland, OR | General Automotive Repair | $853,000 |
| 2025-07 | Gre*****nc. | Jacksonville, FL | Offices of Other Holding Companies | $1,670,000 |
| 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 | Lat****LLC | Seattle, WA | — | $745,000 |
| 2025-06 | BRO*****NC. | Blythewood, SC | Plumbing, Heating, and Air-Conditioning Contractors | $1,494,000 |
| 2025-06 | The*****LLC | Columbia, SC | General Medical and Surgical Hospitals | $1,500,000 |
| 2025-06 | Poo*****LLC | Davie, FL | Offices of Physicians (except Mental Health Specialists) | $165,000 |
| 2025-06 | TIS****NC. | FLEMING ISLAND, FL | Other Services to Buildings and Dwellings | $250,000 |
| 2025-06 | ADL*****LLC | RENO, NV | Offices of Chiropractors | $175,000 |
| 2025-06 | Tri*****LLC | ELKHORN, NE | Marketing Consulting Services | $200,000 |
| 2025-06 | CA****NC. | CHARLOTTESVILLE, VA | Custom Computer Programming Services | $500,000 |
| 2025-05 | Nor*****LLC | ATHENS, GA | Commercial and Industrial Machinery and Equipment (except Automotive a | $1,375,000 |
Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.
Check your fit with First-citizens Bank & Trust Company
See how well this lender matches your specific business profile.
Check your lender fit