SBA lender profile
First National Bank & Trust Co
First National Bank & Trust Co appears in the public SBA loan data with 28 funded 7(a) loans totaling $8.7M, an average of $310K per loan, and an estimated 327 jobs supported. Its SBA lending concentrates in Michigan and the Wholesale Trade sector. Across all of its loans in the data, its charge-off rate is 3.6%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
28
Total volume
$8.7M
Average loan size
$310K
Charge-off rate
3.6%
Share of funded loans charged off
Jobs supported (reported)
327
Programs
7(a)
Where First National Bank & Trust Co lends
Top states by funded SBA volume.
What First National Bank & Trust Co funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Wholesale Trade | 2 | $3.4M |
| Manufacturing | 6 | $1.8M |
| Accommodation and Food Services | 9 | $1.4M |
| Retail Trade | 4 | $1.2M |
| Professional and Technical Services | 3 | $661K |
| Transportation and Warehousing | 2 | $149K |
First National Bank & Trust Co SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 3 | $593K |
| 2021 | 1 | $295K |
| 2022 | 8 | $2.3M |
| 2023 | 11 | $1.6M |
| 2024 | 2 | $498K |
| 2026 | 3 | $3.4M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of First National Bank & Trust Co's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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