FNBC Bank
Headquartered in ASH FLAT, AR. Analysis based on 82 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $39.1M.
Total 7(a) loans
82
Total approved
$39.1M
Average loan
$476K
States funded in
4
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
35.42%
Average rate
8.30%
Average term
143 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 561621 | Security Systems Services (except Locksmiths) | 5 |
| 448190 | Other Clothing Stores | 4 |
| 722513 | Limited-Service Restaurants | 4 |
| 484110 | General Freight Trucking, Local | 3 |
| 811111 | General Automotive Repair | 3 |
| 524210 | Insurance Agencies and Brokerages | 2 |
| 541320 | Landscape Architectural Services | 2 |
| 541191 | Title Abstract and Settlement Offices | 2 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 2 |
| 445120 | Convenience Stores | 2 |
Top 10 states
| State | Loans |
|---|---|
| AR | 74 |
| MO | 5 |
| TN | 2 |
| CO | 1 |
Top franchise brands financed
2 franchise loans across 2 distinct brands.
| Franchise | Loans |
|---|---|
| Lemonade House Grille | 1 |
| BLUSH Boot Camp | 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.