SBA lender profile
First National Bank & Trust Co
First National Bank & Trust Co appears in the public SBA loan data with 59 funded 7(a) loans since FY2010, totaling $22.7M, an average of $384K per loan, and an estimated 636 jobs supported. Its SBA lending concentrates in Michigan and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 6.8%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 58
- Scale 35
- Activity 33
- Consistency 76
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is First National Bank & Trust Co the right lender for you?
Lenders fund what they know. First National Bank & Trust Co's SBA lending concentrates in Michigan (41 loans) and Accommodation and Food Services (19 loans), at an average loan of $384K. If your business does not look like that, a different SBA lender is likely the better fit.
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Where First National Bank & Trust Co lends
Top states by funded SBA volume.
Metro areas where First National Bank & Trust Co funds
What First National Bank & Trust Co funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 19 | $5.4M |
| Retail Trade | 10 | $5.4M |
| Wholesale Trade | 4 | $4.0M |
| Arts, Entertainment, Recreation | 2 | $2.2M |
| Manufacturing | 9 | $2.1M |
| Transportation and Warehousing | 3 | $1.5M |
First National Bank & Trust Co SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 4 | $3.2M |
| 2011 | 3 | $1.9M |
| 2012 | 4 | $1.8M |
| 2013 | 2 | $761K |
| 2015 | 1 | $106K |
| 2016 | 3 | $2.4M |
| 2017 | 3 | $465K |
| 2018 | 8 | $2.9M |
| 2019 | 3 | $488K |
| 2020 | 3 | $593K |
| 2021 | 1 | $295K |
| 2022 | 8 | $2.3M |
| 2023 | 11 | $1.6M |
| 2024 | 2 | $498K |
| 2026 | 3 | $3.4M |
Related SBA lenders
Other lenders active in Michigan or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
First National Bank & Trust Co: frequently asked questions
Does First National Bank & Trust Co offer SBA loans?
Yes. First National Bank & Trust Co appears in the public SBA data with 59 funded SBA 7(a) loans totaling $22.7M.
How many SBA loans has First National Bank & Trust Co made?
First National Bank & Trust Co is associated with 59 SBA 7(a) loans totaling $22.7M in the public SBA data (as of 2026-03-31).
What is First National Bank & Trust Co's SBA charge-off rate?
About 6.8% of First National Bank & Trust Co'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 National Bank & Trust Co do most of its SBA lending?
First National Bank & Trust Co's SBA lending in the data is most concentrated in Michigan, and by industry in Accommodation and Food Services.
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 National Bank & Trust Co SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/first-national-bank-trust-co/
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