SBA lender profile
First-Citizens Bank & Trust Company
First-Citizens Bank & Trust Company appears in the public SBA loan data with 1,924 funded 7(a) loans since FY2010, totaling $1.5B, an average of $765K per loan, and an estimated 28,726 jobs supported. Its SBA lending concentrates in California and the Health Care and Social Assistance sector. Across its 7(a) loans, the charge-off rate is 3.4%. 71.8% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 70
- Scale 95
- Activity 96
- Consistency 89
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is First-Citizens Bank & Trust Company the right lender for you?
Lenders fund what they know. First-Citizens Bank & Trust Company's SBA lending concentrates in California (333 loans) and Health Care and Social Assistance (440 loans), at an average loan of $765K. 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
- $235.5B
- Headquarters
- Raleigh, NC
- FDIC cert
- #11063
- Status
- Active
Where First-Citizens Bank & Trust Company lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 333 | $265.8M |
| Florida | 433 | $243.5M |
| North Carolina | 254 | $166.9M |
| Texas | 110 | $112.6M |
| South Carolina | 109 | $98.4M |
| Georgia | 91 | $89.9M |
Metro areas where First-Citizens Bank & Trust Company funds
What First-Citizens Bank & Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Health Care and Social Assistance | 440 | $351.3M |
| Accommodation and Food Services | 295 | $197.0M |
| Professional and Technical Services | 207 | $155.4M |
| Retail Trade | 220 | $129.3M |
| Other Services | 157 | $128.2M |
| Manufacturing | 94 | $104.3M |
First-Citizens Bank & Trust Company SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 152 | $90.6M |
| 2011 | 75 | $36.8M |
| 2012 | 52 | $24.7M |
| 2013 | 61 | $38.2M |
| 2014 | 73 | $62.5M |
| 2015 | 130 | $73.8M |
| 2016 | 208 | $127.2M |
| 2017 | 223 | $140.2M |
| 2018 | 138 | $96.8M |
| 2019 | 121 | $92.8M |
| 2020 | 82 | $64.2M |
| 2021 | 128 | $116.0M |
| 2022 | 97 | $90.1M |
| 2023 | 103 | $108.6M |
| 2024 | 95 | $109.1M |
| 2025 | 117 | $138.4M |
| 2026 | 69 | $63.0M |
Related SBA lenders
Other lenders active in California or in Health Care and Social Assistance.
Comparing lenders? See how to choose an SBA lender by track record.
First-Citizens Bank & Trust Company: frequently asked questions
Does First-Citizens Bank & Trust Company offer SBA loans?
Yes. First-Citizens Bank & Trust Company appears in the public SBA data with 1,924 funded SBA 7(a) loans totaling $1.5B.
How many SBA loans has First-Citizens Bank & Trust Company made?
First-Citizens Bank & Trust Company is associated with 1,924 SBA 7(a) loans totaling $1.5B in the public SBA data (as of 2026-03-31).
What is First-Citizens Bank & Trust Company's SBA charge-off rate?
About 3.4% of First-Citizens Bank & Trust Company'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 First-Citizens Bank & Trust Company do most of its SBA lending?
First-Citizens Bank & Trust Company's SBA lending in the data is most concentrated in California, and by industry in Health Care and Social Assistance.
Is First-Citizens Bank & Trust Company an SBA Preferred Lender (PLP)?
The loan record shows First-Citizens Bank & Trust Company operating under PLP delegated authority: 1,381 of its 7(a) loans (71.8%) were processed through the Preferred Lenders Program, including 173 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
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). First-Citizens Bank & Trust Company SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/first-citizens-bank-trust-company/
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