The First Bank and Trust Company
Headquartered in LEBANON, VA. Analysis based on 207 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $142.4M.
Total 7(a) loans
207
Total approved
$142.4M
Average loan
$688K
States funded in
7
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
33.67%
Average rate
6.05%
Average term
107 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 238990 | All Other Specialty Trade Contractors | 17 |
| 722511 | Full-Service Restaurants | 8 |
| 238910 | Site Preparation Contractors | 7 |
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 6 |
| 523930 | Investment Advice | 5 |
| 561730 | Landscaping Services | 5 |
| 112111 | Beef Cattle Ranching and Farming | 5 |
| 111334 | Berry (except Strawberry) Farming | 4 |
| 424510 | Grain and Field Bean Merchant Wholesalers | 4 |
| 541940 | Veterinary Services | 4 |
Top 10 states
| State | Loans |
|---|---|
| VA | 143 |
| TN | 34 |
| NC | 21 |
| WV | 6 |
| SC | 1 |
| GA | 1 |
| FL | 1 |
Top franchise brands financed
13 franchise loans across 9 distinct brands.
| Franchise | Loans |
|---|---|
| We Rock The Spectrum Kid's Gym | 2 |
| PuroClean | 2 |
| Duck Donuts | 2 |
| Gigi's Cupcakes | 2 |
| Servpro | 1 |
| Plato's Closet | 1 |
| Tropical Smoothie Cafe | 1 |
| Superior Fence and Rail | 1 |
| Save-A-Lot Food Stores- Licens | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.