FFB Bank: SBA business acquisition lending record
FFB Bank (home state CA) approved 48 SBA 7(a) loans to buy existing businesses since FY2018, totaling $50.8M. The median loan was $673,000. It ranks number 184 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $267,250 and $1,007,500. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. California is the largest state (75% of loans). Loans appear in only 5 states, which points to a regional lender.
- Industry concentration. Full-Service Restaurants is 13% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 241 SBA 7(a) loans of any purpose since FY2020, totaling $238M. 85% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 0% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Too few of its loans are old enough to measure a charge-off rate.
FFB Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $498K | $180,000 | |
| FY2019 | 1 | $1M | $1,000,000 | |
| FY2020 | 5 | $5.1M | $558,000 | |
| FY2021 | 4 | $4.8M | $961,750 | |
| FY2022 | 4 | $9.3M | $2,089,000 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 5 | $7.4M | $861,000 | |
| FY2025 | 17 | $17.3M | $684,000 | |
| FY2026 | 9 | $5.3M | $271,000 |
How often do these acquisition loans fail?
Fewer than 20 FFB Bank acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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States served
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 36 | 75.0% | $34.5M | |
| 2 | Arizona | 4 | 8.3% | $5.6M | |
| 3 | Texas | 4 | 8.3% | $5.2M | |
| 4 | Oregon | 3 | 6.3% | $4.9M | |
| 5 | Colorado | 1 | 2.1% | $662K |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Full-Service Restaurants | 6 | 12.5% | $7.5M | |
| 2 | Offices of Physical, Occupational and Speech Therapists, and Audiologists | 4 | 8.3% | $913K | |
| 3 | General Automotive Repair | 3 | 6.3% | $2M | |
| 4 | Offices of Physicians (except Mental Health Specialists) | 3 | 6.3% | $1.4M | |
| 5 | Limited-Service Restaurants | 2 | 4.2% | $1.9M | |
| 6 | Assisted Living Facilities for the Elderly | 2 | 4.2% | $825K | |
| 7 | Insurance Agencies and Brokerages | 1 | 2.1% | $4.8M |
That draft favors the seller. We review it for the buyer, line by line.
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Questions buyers ask
Does FFB Bank make SBA acquisition loans?
Yes. FFB Bank approved 48 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 184 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are FFB Bank's acquisition loans?
The median was $673,000, with the middle half between $267,250 and $1,007,500. The national median is $645,250, so this lender's typical loan is in line with the national figure.
Which states does FFB Bank lend in?
California (36), Arizona (4), Texas (4), Oregon (3), Colorado (1). Its loans appear in 5 states, so it is closer to a regional lender.
Which industries does FFB Bank finance?
Full-Service Restaurants (6), Offices of Physical, Occupational and Speech Therapists, and Audiologists (4), General Automotive Repair (3), Offices of Physicians (except Mental Health Specialists) (3), Limited-Service Restaurants (2). The top industry is 13% of its acquisition loans.
How have FFB Bank's acquisition loans performed?
Fewer than 20 of this lender's loans are old enough to measure. The national benchmark is 3.5% for the FY2018 to FY2021 cohort.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- California acquisitions
- Arizona acquisitions
- Texas acquisitions
- Full-Service Restaurants
- Offices of Physical, Occupational and Speech Therapists, and Audiologists
- General Automotive Repair
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by FFB Bank.