FFB as holder

FFB Bank holds 392 loans for FY2017 to FY2026. At FFB, the gross dollars approved are $322.8 million. Not one of the 392 at FFB is an SBA 504 loan; all 392 are SBA 7(a). FFB: state of record California. FFB is shown as holder of 392 loans at last record, or now. At FFB, SBA stands behind the 392. A loan FFB passed on no longer shows under FFB.

FFB: named classes

297 of the 392 loans at FFB are unplaced. That limits FFB's class view. FFB: medical office first, at 21, full-service restaurant at 16, then limited-service restaurant at 10. Further at FFB: automotive mechanical repair at 8, then gas station and truck stop at 6, next beverage manufacturing at 5. Last at FFB: coffee shop and snack bar at 5. With 297 unplaced loans in front, FFB offers class evidence for part of 392.

FFB: states

The largest state for FFB is California at 338 loans, then Texas with 17 and Arizona with 9. The FFB table continues through Oregon at 9. For FFB, 392 loans show holdings, not a lending territory.

FFB: the floors

FFB's FY2017 to FY2024 approvals: 13.1% or more cancelled, a floor among 392. Our own rule withholds the FFB five-year figure. FFB's cohorts are too small. FFB ceiling: 13.1%, counting undisbursed loans as cancelled. FFB: floor and ceiling meet. FFB shows 3.3% charged off to date, across 153 FY2017 to FY2021 disbursements. At FFB, 3.3% is a floor. Open FFB loans can still be charged off.

FFB: how to read it

The FFB record gives a book's shape. 392 loans mark where FFB holds SBA loans. 13.1% cancelled marks where FFB approvals fell away, a floor for 392. Neither figure decides a FFB request. A FFB request has own demand and cost. The FFB study should say which of the 392 loans resemble the project. For FFB, it should name differences. 392 loans, read plainly, give FFB a fair view. A floor of 13.1% is history for FFB, not a forecast.

FFB: study to bring

A borrower weighing FFB should treat 392 loans as context, not a promise from FFB. In medical office, FFB shows 21 loans as a reference point. FFB: the study tests patient volume. FFB needs fit-out cost tested too. Show FFB coverage in a slow year too. FFB needs an appraisal that supports it. FFB offers just 297 unplaced loans for an unnamed type. FFB's study makes the case. FFB holds 338 loans in California. Elsewhere, FFB holdings need a reason. Cancelled at FFB: a floor of 13.1%. Approval is not funding. A FFB study should hold up under delay.

SBA loans held by FFB Bank

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026	392
Gross dollars approved	$322.8 million
SBA 7(a) loans	392
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	13.1%
The same, counting loans still undisbursed as cancelled (a ceiling)	13.1%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	3.3%
Charged off within five years of approval	withheld
Loans in that cohort	153

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	297
Medical office (physicians)	21
Full-service restaurant	16
Limited-service restaurant	10
Automotive mechanical repair (car and truck)	8
Gas station and truck stop	6
Beverage manufacturing (breweries, wineries, distilleries)	5
Coffee shop and snack bar	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or area	Loans
California	338
Texas	17
Arizona	9
Oregon	9

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-58090.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by FFB Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

FFB Bank: SBA Lending Record