First Mid Bank & Trust, National Association
Headquartered in Mattoon, IL. Analysis based on 196 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $87.5M.
Total 7(a) loans
196
Total approved
$87.5M
Average loan
$446K
States funded in
8
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
31.45%
Average rate
6.35%
Average term
129 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 17 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 9 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 8 |
| 722513 | Limited-Service Restaurants | 7 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 5 |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 5 |
| 811111 | General Automotive Repair | 5 |
| 624410 | Child Day Care Services | 4 |
| 541110 | Offices of Lawyers | 4 |
| 561730 | Landscaping Services | 4 |
Top 10 states
| State | Loans |
|---|---|
| IL | 153 |
| TX | 19 |
| MO | 17 |
| IA | 2 |
| IN | 2 |
| KS | 1 |
| CO | 1 |
| WI | 1 |
Top franchise brands financed
13 franchise loans across 11 distinct brands.
| Franchise | Loans |
|---|---|
| Papa Murphy's Take 'N' Bake Pi | 3 |
| Fleet Feet Sports | 1 |
| X-Golf | 1 |
| Subway | 1 |
| Rainbow International | 1 |
| Home Instead/Home Instead Seni | 1 |
| Batteries Plus | 1 |
| Scooter's Coffee | 1 |
| Kumon | 1 |
| Daylight Donut Shop | 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.