First National Bank
Headquartered in FORT PIERRE, SD. Analysis based on 117 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $37.2M.
Total 7(a) loans
117
Total approved
$37.2M
Average loan
$318K
States funded in
10
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
46.53%
Average rate
5.93%
Average term
124 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 7 |
| 113310 | Logging | 5 |
| 447110 | Gasoline Stations with Convenience Stores | 5 |
| 811111 | General Automotive Repair | 5 |
| 722513 | Limited-Service Restaurants | 4 |
| 722410 | Drinking Places (Alcoholic Beverages) | 3 |
| 453998 | All Other Miscellaneous Store Retailers (except Tobacco Stores) | 3 |
| 561730 | Landscaping Services | 3 |
| 722511 | Full-Service Restaurants | 3 |
| 424910 | Farm Supplies Merchant Wholesalers | 3 |
Top 10 states
| State | Loans |
|---|---|
| SD | 42 |
| MN | 24 |
| IA | 14 |
| CO | 11 |
| NM | 9 |
| IN | 6 |
| VA | 5 |
| ME | 2 |
| IL | 2 |
| TX | 2 |
Top franchise brands financed
6 franchise loans across 6 distinct brands.
| Franchise | Loans |
|---|---|
| World Fuel Services, Inc Whole | 1 |
| Boulder Design | 1 |
| Century 21 | 1 |
| Royal Restrooms | 1 |
| Ace Hardware | 1 |
| Kampgrounds of America | 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.