FFB Bank
Headquartered in FRESNO, CA. Analysis based on 252 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $269.4M.
Total 7(a) loans
252
Total approved
$269.4M
Average loan
$1.1M
States funded in
11
Charge-off rate
1.59%
FY2020–FY2023 cohort
Paid-in-full rate
16.67%
Average rate
9.15%
Average term
145 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 11 |
| 722511 | Full-Service Restaurants | 9 |
| 811111 | General Automotive Repair | 7 |
| 524210 | Insurance Agencies and Brokerages | 6 |
| 561311 | Employment Placement Agencies | 6 |
| 442110 | Furniture Stores | 5 |
| 541511 | Custom Computer Programming Services | 5 |
| 722513 | Limited-Service Restaurants | 5 |
| 238990 | All Other Specialty Trade Contractors | 5 |
| 541512 | Computer Systems Design Services | 4 |
Top 10 states
| State | Loans |
|---|---|
| CA | 203 |
| TX | 17 |
| OR | 8 |
| AZ | 6 |
| FL | 4 |
| WA | 4 |
| NC | 4 |
| CO | 2 |
| WY | 2 |
| GA | 1 |
Top franchise brands financed
20 franchise loans across 15 distinct brands.
| Franchise | Loans |
|---|---|
| Crumbl | 4 |
| Stretch Lab | 2 |
| Allegra | 2 |
| Gameday Men's Health/Gameday | 1 |
| Sullivan Petroleum Company (Sh | 1 |
| Van De Pol Enterprises, Inc. ( | 1 |
| Garage Experts | 1 |
| The Red Chickz | 1 |
| Hand and Stone Massage and Fac | 1 |
| SYNERGY HomeCare | 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.