SBA lender profile
1st Financial Bank USA
1st Financial Bank USA appears in the public SBA loan data with 95 funded 7(a) loans since FY2010, totaling $178.7M, an average of $1.9M per loan, and an estimated 961 jobs supported. Its SBA lending concentrates in Florida and the Construction sector. Across its 7(a) loans, the charge-off rate is 2.1%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 75
- Scale 67
- Activity 88
- Consistency 56
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is 1st Financial Bank USA the right lender for you?
Lenders fund what they know. 1st Financial Bank USA's SBA lending concentrates in Florida (20 loans) and Construction (90 loans), at an average loan of $1.9M. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $1.3B
- Headquarters
- Dakota Dunes, SD
- FDIC cert
- #1673
- Status
- Active
Where 1st Financial Bank USA lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Florida | 20 | $41.3M |
| North Carolina | 12 | $17.8M |
| Texas | 9 | $15.2M |
| South Carolina | 4 | $13.5M |
| Colorado | 6 | $12.8M |
| Michigan | 5 | $11.7M |
What 1st Financial Bank USA funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Construction | 90 | $175.5M |
| Real Estate | 1 | $1.8M |
| Accommodation and Food Services | 3 | $1.3M |
| Manufacturing | 1 | $116K |
1st Financial Bank USA SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2011 | 1 | $116K |
| 2012 | 1 | $580K |
| 2016 | 1 | $345K |
| 2020 | 1 | $367K |
| 2021 | 6 | $22.8M |
| 2022 | 12 | $32.3M |
| 2023 | 18 | $32.8M |
| 2024 | 24 | $32.1M |
| 2025 | 24 | $47.0M |
| 2026 | 7 | $10.3M |
Related SBA lenders
Other lenders active in Florida or in Construction.
Comparing lenders? See how to choose an SBA lender by track record.
1st Financial Bank USA: frequently asked questions
Does 1st Financial Bank USA offer SBA loans?
Yes. 1st Financial Bank USA appears in the public SBA data with 95 funded SBA 7(a) loans totaling $178.7M.
How many SBA loans has 1st Financial Bank USA made?
1st Financial Bank USA is associated with 95 SBA 7(a) loans totaling $178.7M in the public SBA data (as of 2026-03-31).
What is 1st Financial Bank USA's SBA charge-off rate?
About 2.1% of 1st Financial Bank USA's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does 1st Financial Bank USA do most of its SBA lending?
1st Financial Bank USA's SBA lending in the data is most concentrated in Florida, and by industry in Construction.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). 1st Financial Bank USA SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/1st-financial-bank-usa/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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