First National Bank of Pennsylvania
Headquartered in GREENVILLE, PA. Analysis based on 819 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $781.2M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
First National Bank of Pennsylvania ranks #23 by charge-off rate (0.79%).
Total 7(a) loans
819
Total approved
$781.2M
Average loan
$954K
States funded in
33
Charge-off rate
0.79%
FY2020–FY2023 cohort
Paid-in-full rate
24.01%
Average rate
8.10%
Average term
152 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 624410 | Child Day Care Services | 56 |
| 722513 | Limited-Service Restaurants | 36 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 30 |
| 811111 | General Automotive Repair | 28 |
| 238990 | All Other Specialty Trade Contractors | 24 |
| 722511 | Full-Service Restaurants | 19 |
| 561730 | Landscaping Services | 17 |
| 812910 | Pet Care (except Veterinary) Services | 15 |
| 541219 | Other Accounting Services | 13 |
| 812990 | All Other Personal Services | 13 |
Top 10 states
| State | Loans |
|---|---|
| PA | 162 |
| NC | 145 |
| FL | 109 |
| VA | 90 |
| OH | 54 |
| MD | 39 |
| NY | 30 |
| IL | 28 |
| TX | 24 |
| SC | 22 |
Top franchise brands financed
144 franchise loans across 81 distinct brands.
| Franchise | Loans |
|---|---|
| The Goddard School | 20 |
| Kiddie Academy | 10 |
| Hounds Town USA | 5 |
| Wing Snob | 4 |
| 3 Natives | 3 |
| American Family Care/AFC Urgen | 3 |
| Clean Eatz | 3 |
| The UPS Store (f/k/a Mail Box | 3 |
| PJ's Coffee of New Orleans | 3 |
| Home Instead/Home Instead Seni | 3 |
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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.