Lenders › FFB Bank
7(a) lenderFresno, CaliforniaFDIC-insured bank183rd of 2,184 by approvals
FFB Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
FFB Bank, based in Fresno, California, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 211 of its 7(a) loans worth $226M in FY2021 to FY2025, which places it 183rd of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 50 approvals totalling $49.9M, down 15% on FY2024 (59). FY2026 to 30 Jun 2026 adds 28 more.
The median approval was $682K, against $190K for the 7(a) program as a whole; 4.3% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 11 states and territories and 46 counties, led by California (79.1%), Texas (7.1%) and Oregon (3.3%). The largest industry group was retail trade at 17.1% of approvals, and 9.5% of approvals were to franchise businesses.
Of 297 disbursed loans approved in FY2010 to FY2021, SBA records 7 as charged off (2.4%), 217 as paid in full and 73 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 28 | $25.4M | $500K | $906K | 370 |
| FY2025 | 50 | $49.9M | $629K | $997K | 914 |
| FY2024 | 59 | $65.2M | $500K | $1.1M | 1,458 |
| FY2023 | 45 | $49.1M | $712K | $1.1M | 1,579 |
| FY2022 | 26 | $31.8M | $906K | $1.2M | 802 |
| FY2021 | 31 | $30.2M | $697K | $973K | 773 |
| FY2020 | 24 | $25.7M | $611K | $1.1M | 991 |
| FY2019 | 40 | $19.4M | $385K | $485K | 166 |
| FY2018 | 47 | $10.4M | $200K | $222K | 93 |
| FY2017 | 40 | $15.5M | $206K | $387K | 58 |
| FY2016 | 38 | $17.2M | $315K | $453K | 163 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 189 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 365 | 79,249 | 639,905 |
| Cancelled or never disbursed | 68 | 10,102 | 79,313 |
| Disbursed loans | 297 | 69,147 | 560,592 |
| Paid in full | 217 | 52,688 | 435,813 |
| Charged off | 7 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 73 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 2.4% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.0% | 1.5% | 2.5% |
| Dollars charged off | $1.5M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 30 | 10 | 1 | 3.3% | 2.8% |
| FY2020 | 20 | 5 | 1 | — | 4.0% |
| FY2019 | 38 | 21 | 0 | 0.0% | 6.7% |
| FY2018 | 31 | 23 | 1 | 3.2% | 7.9% |
| FY2017 | 34 | 24 | 1 | 2.9% | 7.7% |
| FY2016 | 32 | 29 | 1 | 3.1% | 7.2% |
| FY2015 | 29 | 24 | 2 | — | 6.9% |
| FY2014 | 33 | 31 | 0 | 0.0% | 6.4% |
| FY2013 | 25 | 25 | 0 | — | 6.0% |
| FY2012 | 15 | 15 | 0 | — | 6.3% |
| FY2011 | 8 | 8 | 0 | — | 6.9% |
| FY2010 | 2 | 2 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $682K | $190K |
| Average approval | $1.1M | $518K |
| Approvals of $150,000 or less | 4.3% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 29.4% | 34.3% |
| Approvals to franchise businesses | 9.5% | 11.5% |
| Jobs supported per approval, as reported | 26.2 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.4% | 6.6% |
States served
| # | State of the business (11 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 167 | $164M | 79.1% | |
| 2 | Texas | 15 | $16.6M | 7.1% | |
| 3 | Oregon | 7 | $14.6M | 3.3% | |
| 4 | Arizona | 5 | $5.1M | 2.4% | |
| 5 | Washington | 4 | $8.7M | 1.9% | |
| 6 | North Carolina | 4 | $8.0M | 1.9% | |
| 7 | Florida | 3 | $1.1M | 1.4% | |
| 8 | Wyoming | 2 | — | 0.9% | |
| 9 | Colorado | 2 | — | 0.9% | |
| 10 | Utah | 1 | — | 0.5% | |
| 11 | Georgia | 1 | — | 0.5% |
In California the lender accounts for 0.5% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (46 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Fresno County, CA | 69 | $67.9M | 32.7% | |
| 2 | Los Angeles County, CA | 22 | $30.6M | 10.4% | |
| 3 | Orange County, CA | 17 | $9.5M | 8.1% | |
| 4 | Santa Clara County, CA | 11 | $15.2M | 5.2% | |
| 5 | San Diego County, CA | 9 | $5.3M | 4.3% | |
| 6 | Alameda County, CA | 6 | $5.6M | 2.8% | |
| 7 | Sacramento County, CA | 5 | $4.1M | 2.4% | |
| 8 | Harris County, TX | 5 | $3.6M | 2.4% | |
| 9 | Orange County, NC | 4 | $8.0M | 1.9% | |
| 10 | Madera County, CA | 4 | $3.0M | 1.9% | |
| 11 | Tulare County, CA | 4 | $2.8M | 1.9% | |
| 12 | Kern County, CA | 3 | $4.3M | 1.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 36 | 17.1% | |
| 2 | Manufacturing | 25 | 11.8% | |
| 3 | Professional, Scientific, and Technical Services | 25 | 11.8% | |
| 4 | Health Care and Social Assistance | 21 | 10.0% | |
| 5 | Other Services (except Public Administration) | 19 | 9.0% | |
| 6 | Construction | 15 | 7.1% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 15 | 7.1% | |
| 8 | Accommodation and Food Services | 14 | 6.6% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 11 | 5.2% | |
| 2 | Computer Systems Design and Related ServicesNAICS 5415 | 9 | 4.3% | |
| 3 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 8 | 3.8% | |
| 4 | Offices of PhysiciansNAICS 6211 | 8 | 3.8% | |
| 5 | Employment ServicesNAICS 5613 | 7 | 3.3% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 3.3% | |
| 7 | Building Material and Supplies DealersNAICS 4441 | 6 | 2.8% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 6 | 2.8% | |
| 9 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 5 | 2.4% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 2.4% |
Approval sizes
- $50,000 or less2.4%5
- $50,001 to $150,0001.9%4
- $150,001 to $350,00018.5%39
- $350,001 to $1 million45.5%96
- $1 million to $2 million16.1%34
- Over $2 million15.6%33
Loan terms
- Over 5 to 10 years76.8%162
- Over 10 to 20 years11.4%24
- Over 20 years11.8%25
Age of the businesses
- Existing, more than 2 years old55.5%117
- New business, 2 years or less19.9%42
- Startup, loan funds will open the business9.5%20
- Change of ownership15.2%32
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 176 | 83.4% | |
| 2 | SBA Express Program | 30 | 14.2% | |
| 3 | International Trade Loans | 3 | 1.4% | |
| 4 | 7a General | 2 | 0.9% |
Franchise share
20 of 211 approvals in FY2021–FY2025 (9.5%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Crumbl | 4 | 1.9% | |
| 2 | Allegra | 2 | 0.9% | |
| 3 | Stretch Lab | 2 | 0.9% | |
| 4 | Spherion General Staffing | 1 | 0.5% | |
| 5 | Van De Pol Enterprises, Inc. | 1 | 0.5% | |
| 6 | Sullivan Petroleum Company, LLC | 1 | 0.5% | |
| 7 | Closets by Design | 1 | 0.5% | |
| 8 | Garage Experts | 1 | 0.5% |
Questions and answers
How many SBA loans does FFB Bank make?
SBA approved 50 7(a) loans through FFB Bank in FY2025, worth $49.9M, and 211 over FY2021 to FY2025. That ranks 183rd of 2,184 active 7(a) lenders by number of approvals.
How large are FFB Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $682K and the average $1.1M. The program-wide median was $190K.
What is FFB Bank's charge-off rate?
Of 297 disbursed loans approved in FY2010 to FY2021, SBA records 7 as charged off (2.4%), 217 as paid in full and 73 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does FFB Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (11); computer systems design and related services (9); agencies, brokerages, and other insurance related activities (8); offices of physicians (8).
Where does FFB Bank make SBA loans?
In 11 states and territories. California 167, Texas 15, Oregon 7, Arizona 5, Washington 4. In California it accounts for 0.5% of all 7(a) approvals.
Is FFB Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 154, against 81 in the three before: rising (+90%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error