First Financial Bank (AR): SBA Lending Record
What SBA's own loan files show about First Financial Bank (AR) as an SBA lender, and how a lender's record bears on a feasibility study.
1,369 loans trace to First Financial Bank (AR) for approvals in FY2017 to FY2026, $1.41 billion gross. First Financial Bank (AR) is all SBA 7(a), with 1,369 loans and no 504 loans credited. First Financial Bank (AR) has 1,369 loans assigned to it. First Financial Bank (AR) holds 1,369 loans that SBA guarantees.
First Financial Bank (AR) asset and state spread
First Financial Bank (AR) puts its largest named classes at Veterinary clinic, 51 loans. The largest First Financial Bank (AR) group, 1,309 loans, fits no tracked class. First Financial Bank (AR)'s states by loans run Arkansas, 206, Texas, 148, Mississippi, 147, North Carolina, 115 and Louisiana, 93.
First Financial Bank (AR) outcome floors
7.9% is the cancellation floor on First Financial Bank (AR) approvals from FY2017 to FY2024. 8.5% is the First Financial Bank (AR) ceiling, counting undisbursed approvals as cancelled. First Financial Bank (AR) has a charge-off floor of 2.6% to date. Its cohort, 704 loans, was disbursed in FY2017 to FY2021. First Financial Bank (AR) charge-offs within five years of approval: 1.1%. First Financial Bank (AR) floors rise only as loans age.
First Financial Bank (AR): what a study should test
First Financial Bank (AR) counts 51 loans in the Veterinary clinic class. First Financial Bank (AR) study needs staff supply. 51 Veterinary clinic loans do not settle client base. First Financial Bank (AR) history says nothing on equipment cost. First Financial Bank (AR) total of $1.41 billion says nothing about any one site. First Financial Bank (AR) also has 1,309 loans in no tracked class. First Financial Bank (AR): the project must carry the case. First Financial Bank (AR): 206 loans in Arkansas, each site needs local evidence. First Financial Bank (AR) should be asked directly what it needs. First Financial Bank (AR) shows 1,369 loans, not demand at any one site. First Financial Bank (AR) totals trail supply near the site. First Financial Bank (AR) study: written support behind each revenue figure. First Financial Bank (AR) request needs build cost from quotes. First Financial Bank (AR) debt service needs a cautious revenue case. First Financial Bank (AR) history cannot stand in for an appraisal. First Financial Bank (AR) study should state its downside case. First Financial Bank (AR): state assumptions, test coverage, support value. First Financial Bank (AR) carries $1.41 billion in gross approvals on 1,369 loans. First Financial Bank (AR) loan equity should be stated plainly.
First Financial Bank (AR) cancellation floors stop at FY2024 approvals. First Financial Bank (AR) totals take in FY2025 and FY2026 approvals. The First Financial Bank (AR) cohort holds 704 loans, disbursed FY2017 to FY2021. First Financial Bank (AR) figures describe loans held, not lender practices. First Financial Bank (AR) history of 1,369 loans promises nothing to a new borrower.
SBA loans held by First Financial Bank (AR)
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 | 1,369 |
|---|---|
| Gross dollars approved | $1.41 billion |
| SBA 7(a) loans | 1,369 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.9% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 8.5% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 2.6% |
| Charged off within five years of approval | 1.1% |
| Loans in that cohort | 704 |
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 | 1,309 |
| Veterinary clinic | 51 |
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 |
|---|---|
| Arkansas | 206 |
| Texas | 148 |
| Mississippi | 147 |
| North Carolina | 115 |
| Louisiana | 93 |
| Alabama | 63 |
| Georgia | 63 |
| California | 52 |
| Tennessee | 48 |
| Missouri | 45 |
| Florida | 41 |
| Ohio | 31 |
| Delaware | 25 |
| Oklahoma | 24 |
| Maryland | 23 |
| Kentucky | 22 |
| New York | 22 |
| Virginia | 21 |
| Illinois | 18 |
| Michigan | 15 |
| Washington | 15 |
| Arizona | 14 |
| Pennsylvania | 14 |
| New Mexico | 13 |
| South Carolina | 12 |
| New Jersey | 11 |
| Colorado | 9 |
| Wisconsin | 6 |
| Indiana | 5 |
| Oregon | 5 |
| Rhode Island | 5 |
| Wyoming | 5 |
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-28905.
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 First Financial Bank (AR) or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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