First Savings Bank

Headquartered in Jeffersonville, IN. Analysis based on 864 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $639.7M.

Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023), First Savings Bank ranks #27 by charge-off rate (0.98%).

Total 7(a) loans

864

Total approved

$639.7M

Average loan

$740K

States funded in

Charge-off rate

0.98%

FY2020–FY2023 cohort

Paid-in-full rate

29.58%

Average rate

7.65%

Average term

172 mo

Top 10 industries financed

NAICS	Industry	Loans
722511	Full-Service Restaurants	40
722513	Limited-Service Restaurants	32
722515	Snack and Nonalcoholic Beverage Bars	29
811111	General Automotive Repair	22
812199	Other Personal Care Services	19
484110	General Freight Trucking, Local	18
111110	Soybean Farming	15
484121	General Freight Trucking, Long Distance, Truckload	15
238220	Plumbing, Heating, and Air-Conditioning Contractors	15
524210	Insurance Agencies and Brokerages	13

Top 10 states

State	Loans
TX	105
CA	100
FL	85
NM	64
IL	45
NY	36
OH	31
IN	25
NV	24
GA	23

Top franchise brands financed

123 franchise loans across 79 distinct brands.

Franchise	Loans
Crumbl	11
Scooter's Coffee	7
Pizza Ranch	4
The UPS Store (f/k/a Mail Box	3
Jersey Mike's	3
Degree Wellness	2
The Honey Baked Ham Co	2
Heights Wellness Retreat	2
Hotworx	2
Tropical Smoothie Cafe	2

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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.