Lenders › First National Bank of Pennsylvania
7(a) lenderGreenville, PennsylvaniaFDIC-insured bank50th of 2,184 by approvals
First National Bank of Pennsylvania
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.
First National Bank of Pennsylvania (Greenville, Pennsylvania) is an FDIC-insured bank in the SBA 7(a) program, 50th of 2,184 by approvals in FY2021 to FY2025: 700 loans worth $658M.
In FY2025, the latest complete fiscal year, it had 188 approvals totalling $185M, up 72% on FY2024 (109). FY2026 to 30 Jun 2026 adds 56 more.
The median approval was $621K, against $190K for the 7(a) program as a whole; 20.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 30 states and territories and 225 counties, led by Pennsylvania (19.3%), North Carolina (17.4%) and Florida (14.7%). The largest industry group was other services (except public administration) at 15.4% of approvals, and 17.4% of approvals were to franchise businesses.
Of 1,921 disbursed loans approved in FY2010 to FY2021, SBA records 177 as charged off (9.2%), 1,504 as paid in full and 240 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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* | 56 | $48.4M | $793K | $864K | 537 |
| FY2025 | 188 | $185M | $710K | $983K | 2,334 |
| FY2024 | 109 | $102M | $702K | $938K | 1,271 |
| FY2023 | 136 | $112M | $600K | $820K | 1,968 |
| FY2022 | 92 | $98.8M | $531K | $1.1M | 1,564 |
| FY2021 | 175 | $161M | $600K | $919K | 3,317 |
| FY2020 | 101 | $111M | $565K | $1.1M | 2,050 |
| FY2019 | 71 | $47.4M | $363K | $667K | 1,230 |
| FY2018 | 152 | $91.2M | $303K | $600K | 3,356 |
| FY2017 | 188 | $101M | $304K | $535K | 3,489 |
| FY2016 | 284 | $183M | $284K | $645K | 4,675 |
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 796 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 | Pennsylvania | 7(a) program |
|---|---|---|---|
| Approvals in these years | 2,339 | 20,449 | 639,905 |
| Cancelled or never disbursed | 418 | 2,853 | 79,313 |
| Disbursed loans | 1,921 | 17,596 | 560,592 |
| Paid in full | 1,504 | 13,626 | 435,813 |
| Charged off | 177 | 1,040 | 36,891 |
| Still outstanding (status exempt from disclosure) | 240 | 2,930 | 87,888 |
| Charged off, share of disbursed loans | 9.2% | 5.9% | 6.6% |
| Dollars charged off, share of disbursed dollars | 5.5% | 2.6% | 2.5% |
| Dollars charged off | $65.1M | $171M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 135 | 54 | 5 | 3.7% | 2.8% |
| FY2020 | 74 | 33 | 1 | 1.4% | 4.0% |
| FY2019 | 61 | 37 | 2 | 3.3% | 6.7% |
| FY2018 | 130 | 96 | 5 | 3.8% | 7.9% |
| FY2017 | 162 | 114 | 24 | 14.8% | 7.7% |
| FY2016 | 247 | 193 | 34 | 13.8% | 7.2% |
| FY2015 | 242 | 199 | 31 | 12.8% | 6.9% |
| FY2014 | 148 | 127 | 16 | 10.8% | 6.4% |
| FY2013 | 176 | 158 | 14 | 8.0% | 6.0% |
| FY2012 | 172 | 156 | 14 | 8.1% | 6.3% |
| FY2011 | 203 | 186 | 14 | 6.9% | 6.9% |
| FY2010 | 171 | 151 | 17 | 9.9% | 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 | $621K | $190K |
| Average approval | $940K | $518K |
| Approvals of $150,000 or less | 20.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 44.6% | 34.3% |
| Approvals to franchise businesses | 17.4% | 11.5% |
| Jobs supported per approval, as reported | 14.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 9.2% | 6.6% |
States served
| # | State of the business (30 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Pennsylvania | 135 | $109M | 19.3% | |
| 2 | North Carolina | 122 | $132M | 17.4% | |
| 3 | Florida | 103 | $87.8M | 14.7% | |
| 4 | Virginia | 88 | $86.8M | 12.6% | |
| 5 | Ohio | 39 | $39.6M | 5.6% | |
| 6 | Maryland | 33 | $35.4M | 4.7% | |
| 7 | Illinois | 27 | $23.9M | 3.9% | |
| 8 | Texas | 23 | $23.4M | 3.3% | |
| 9 | New York | 21 | $22.4M | 3.0% | |
| 10 | South Carolina | 20 | $20.7M | 2.9% | |
| 11 | Massachusetts | 17 | $14.3M | 2.4% | |
| 12 | Georgia | 13 | $11.0M | 1.9% |
In Pennsylvania the lender accounts for 1.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (225 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wake County, NC | 32 | $34.0M | 4.6% | |
| 2 | Allegheny County, PA | 23 | $23.3M | 3.3% | |
| 3 | Palm Beach County, FL | 15 | $14.1M | 2.1% | |
| 4 | Fairfax County, VA | 15 | $12.1M | 2.1% | |
| 5 | Cuyahoga County, OH | 14 | $13.3M | 2.0% | |
| 6 | Montgomery County, PA | 14 | $8.0M | 2.0% | |
| 7 | Mecklenburg County, NC | 13 | $14.9M | 1.9% | |
| 8 | Cook County, IL | 12 | $14.9M | 1.7% | |
| 9 | Beaver County, PA | 11 | $6.4M | 1.6% | |
| 10 | Butler County, PA | 10 | $14.5M | 1.4% | |
| 11 | Hillsborough County, FL | 10 | $6.8M | 1.4% | |
| 12 | Broward County, FL | 10 | $6.4M | 1.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 108 | 15.4% | |
| 2 | Health Care and Social Assistance | 103 | 14.7% | |
| 3 | Construction | 91 | 13.0% | |
| 4 | Professional, Scientific, and Technical Services | 73 | 10.4% | |
| 5 | Retail Trade | 63 | 9.0% | |
| 6 | Accommodation and Food Services | 53 | 7.6% | |
| 7 | Manufacturing | 51 | 7.3% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 46 | 6.6% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 51 | 7.3% | |
| 2 | Child Day Care ServicesNAICS 6244 | 49 | 7.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 38 | 5.4% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 32 | 4.6% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 31 | 4.4% | |
| 6 | Other Personal ServicesNAICS 8129 | 27 | 3.9% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 26 | 3.7% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 23 | 3.3% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 20 | 2.9% | |
| 10 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 20 | 2.9% |
Approval sizes
- $50,000 or less9.1%64
- $50,001 to $150,00010.9%76
- $150,001 to $350,00012.1%85
- $350,001 to $1 million34.7%243
- $1 million to $2 million20.6%144
- Over $2 million12.6%88
Loan terms
- 5 years or less0.3%2
- Over 5 to 10 years70.3%492
- Over 10 to 20 years13.3%93
- Over 20 years16.1%113
Age of the businesses
- Existing, more than 2 years old28.4%199
- New business, 2 years or less29.6%207
- Startup, loan funds will open the business15.0%105
- Change of ownership26.9%188
- Not answered0.1%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 501 | 71.6% | |
| 2 | SBA Express Program | 179 | 25.6% | |
| 3 | 7a General | 19 | 2.7% | |
| 4 | International Trade Loans | 1 | 0.1% |
Franchise share
122 of 700 approvals in FY2021–FY2025 (17.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | The Goddard School | 17 | 2.4% | |
| 2 | Kiddie Academy | 8 | 1.1% | |
| 3 | Hounds Town USA | 5 | 0.7% | |
| 4 | Wing Snob | 4 | 0.6% | |
| 5 | Home Instead | 3 | 0.4% | |
| 6 | American Family Care | 3 | 0.4% | |
| 7 | Minuteman Press | 3 | 0.4% | |
| 8 | PJ's Coffee of New Orleans | 3 | 0.4% |
Questions and answers
How many SBA loans does First National Bank of Pennsylvania make?
SBA approved 188 7(a) loans through First National Bank of Pennsylvania in FY2025, worth $185M, and 700 over FY2021 to FY2025. That ranks 50th of 2,184 active 7(a) lenders by number of approvals.
How large are First National Bank of Pennsylvania's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $621K and the average $940K. The program-wide median was $190K.
What is First National Bank of Pennsylvania's charge-off rate?
Of 1,921 disbursed loans approved in FY2010 to FY2021, SBA records 177 as charged off (9.2%), 1,504 as paid in full and 240 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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 First National Bank of Pennsylvania lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (51); child day care services (49); automotive repair and maintenance (38); building equipment contractors (32).
Where does First National Bank of Pennsylvania make SBA loans?
In 30 states and territories. Pennsylvania 135, North Carolina 122, Florida 103, Virginia 88, Ohio 39. In Pennsylvania it accounts for 1.3% of all 7(a) approvals.
Is First National Bank of Pennsylvania's SBA lending rising?
Approvals in the three latest complete fiscal years total 433, against 368 in the three before: rising (+18%).
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