{"source":"SBA 7(a) FOIA loan file (data.sba.gov), change-of-ownership loans only, aggregated","publisher":"SBA Acquisition Data","page":"https://sbaacquisitiondata.com/lender/first-citizens-bank-and-trust-company","type":"lender","name":"First-Citizens Bank & Trust Company","as_of":"2026-09-30","fy_min":2018,"fy_max":2026,"license":"https://www.usa.gov/government-works","data":{"name":"First-Citizens Bank & Trust Company","state":"NC","slug":"first-citizens-bank-and-trust-company","all_7a_loans":807,"all_7a_dollars":790465500,"plp_share":0.9653,"summary":{"loans":173,"dollars":230430400,"median":939700,"mean":1331968,"p25":510000,"p75":1800000,"avg_rate":7.52,"median_term":120,"guaranty_share":0.759,"jobs":2630,"franchise_loans":26,"recent_loans":59},"by_fy":[{"fy":2018,"loans":24,"dollars":17746300,"median":411800},{"fy":2019,"loans":24,"dollars":27704200,"median":635500},{"fy":2020,"loans":9,"dollars":6150000,"median":582000},{"fy":2021,"loans":24,"dollars":22910300,"median":676500},{"fy":2022,"loans":11,"dollars":12823400,"median":935000},{"fy":2023,"loans":9,"dollars":19481800,"median":1749200},{"fy":2024,"loans":13,"dollars":20114500,"median":1000000},{"fy":2025,"loans":21,"dollars":42018500,"median":1494000},{"fy":2026,"loans":38,"dollars":61481400,"median":1409100}],"seasoned":{"loans":81,"charged_off":3,"paid_in_full":40,"chargeoff_rate":0.037,"chargeoff_dollar_rate":0.028,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":173,"median":939700,"p25":510000,"p75":1800000,"avg_rate":7.52,"median_term":120,"chargeoff_rate":0.037},"parents":[]},"concentration":{"by":"state","top1":0.1734,"top3":0.4393,"n3plus":13,"distinct":27},"recent":{"loans":59,"median":1410000,"prior_loans":22,"change":1.6818},"size_mix":{"lt350k":0.1445,"350k_1m":0.3873,"1m_2m":0.2486,"gt2m":0.2197},"top_states":[{"key":"NC","loans":30,"dollars":47766100,"name":"North Carolina","slug":"nc"},{"key":"FL","loans":25,"dollars":28357800,"name":"Florida","slug":"fl"},{"key":"CA","loans":21,"dollars":33713400,"name":"California","slug":"ca"},{"key":"SC","loans":14,"dollars":18138900,"name":"South Carolina","slug":"sc"},{"key":"GA","loans":12,"dollars":22763000,"name":"Georgia","slug":"ga"},{"key":"VA","loans":12,"dollars":15053000,"name":"Virginia","slug":"va"},{"key":"WA","loans":12,"dollars":12388000,"name":"Washington","slug":"wa"},{"key":"TX","loans":10,"dollars":14517000,"name":"Texas","slug":"tx"},{"key":"TN","loans":5,"dollars":3274700,"name":"Tennessee","slug":"tn"},{"key":"CO","loans":5,"dollars":2660400,"name":"Colorado","slug":"co"},{"key":"MD","loans":3,"dollars":4724800,"name":"Maryland","slug":"md"},{"key":"MA","loans":3,"dollars":3920000,"name":"Massachusetts","slug":"ma"},{"key":"OR","loans":3,"dollars":2630000,"name":"Oregon","slug":"or"},{"key":"KS","loans":2,"dollars":3069000,"name":"Kansas","slug":"ks"},{"key":"OK","loans":2,"dollars":2904000,"name":"Oklahoma","slug":"ok"}],"top_industries":[{"key":"722511","loans":10,"dollars":15117500,"name":"Full-Service Restaurants","slug":"full-service-restaurants-722511"},{"key":"621310","loans":8,"dollars":4928400,"name":"Offices of Chiropractors","slug":"offices-of-chiropractors-621310"},{"key":"621210","loans":7,"dollars":9497200,"name":"Offices of Dentists","slug":"offices-of-dentists-621210"},{"key":"624410","loans":5,"dollars":7168600,"name":"Child Care Services","slug":"child-care-services-624410"},{"key":"561730","loans":5,"dollars":4629000,"name":"Landscaping Services","slug":"landscaping-services-561730"},{"key":"456110","loans":4,"dollars":9340000,"name":"Pharmacies and Drug Retailers","slug":"pharmacies-and-drug-retailers-456110"},{"key":"541211","loans":4,"dollars":8554000,"name":"Offices of Certified Public Accountants","slug":"offices-of-certified-public-accountants-541211"},{"key":"459910","loans":4,"dollars":3640000,"name":"Pet and Pet Supplies Retailers","slug":"pet-and-pet-supplies-retailers-459910"},{"key":"811111","loans":4,"dollars":2617000,"name":"General Automotive Repair","slug":"general-automotive-repair-811111"},{"key":"721110","loans":3,"dollars":8843300,"name":"Hotels (except Casino Hotels) and Motels","slug":"hotels-except-casino-hotels-and-motels-721110"}],"top_franchises":[{"key":"S1925","loans":4,"dollars":3640000,"name":"Wild Birds Unlimited","slug":"wild-birds-unlimited"},{"key":"S1788","loans":3,"dollars":1583200,"name":"The UPS Store","slug":"the-ups-store"},{"key":"S2756","loans":2,"dollars":1155000,"name":"Pure Barre","slug":"pure-barre"},{"key":"S1444","loans":1,"dollars":3300300,"name":"Rodeway Inn","slug":"rodeway-inn"},{"key":"S1133","loans":1,"dollars":3220000,"name":"Motel 6","slug":"motel-6"},{"key":"S1753","loans":1,"dollars":3129000,"name":"The Goddard School","slug":"the-goddard-school"},{"key":"S2322","loans":1,"dollars":2323000,"name":"SureStay","slug":"surestay"},{"key":"S0906","loans":1,"dollars":1250000,"name":"Jimmy John's","slug":"jimmy-johns"},{"key":"S1945","loans":1,"dollars":1240000,"name":"Woodcraft","slug":"woodcraft"},{"key":"S0734","loans":1,"dollars":842000,"name":"Goosehead Insurance","slug":"goosehead-insurance"}]}}