First Financial Bank (OH): SBA Lending Record
What SBA's own loan files show about First Financial Bank (OH) as an SBA lender, and how a lender's record bears on a feasibility study.
$265.5 million in gross dollars sits behind First Financial Bank (OH)'s 678 approved loans, FY2017 to FY2026. 678 loans, all in 7(a), stand against First Financial Bank (OH); none are 504. For 678 loans, SBA's record names First Financial Bank (OH) as the lender. 678 loans carry SBA's guarantee, not First Financial Bank (OH)'s.
What First Financial Bank (OH) holds, by class and state
First Financial Bank (OH) ranks by loans as Full-service restaurant, 36, Limited-service restaurant, 24, Dental office, 17, Child care center, 13 and Liquor store, 13. 492 loans, the biggest First Financial Bank (OH) group, sit outside the tracked classes. First Financial Bank (OH) by state: Ohio, 342, Indiana, 247, Kentucky, 71 and Illinois, 7 loans.
First Financial Bank (OH) outcome floors
First Financial Bank (OH) has a cancellation floor of 12.1% across FY2017 to FY2024 approvals. First Financial Bank (OH) ceiling: withheld by Loan Analytics' own rule. First Financial Bank (OH) ceiling: no zero, no estimate. At First Financial Bank (OH), 2.1% of 435 loans were charged off, a floor. The First Financial Bank (OH) cohort covers FY2017 to FY2021 disbursements. First Financial Bank (OH) five-year view: withheld by Loan Analytics. First Financial Bank (OH): each rate is the least SBA shows.
First Financial Bank (OH) record and a borrower's study
First Financial Bank (OH): 36 loans in the Full-service restaurant class. First Financial Bank (OH) study must prove seating demand. First Financial Bank (OH): occupancy cost remains open across 36 Full-service restaurant loans. First Financial Bank (OH) history says nothing on comparable sales. First Financial Bank (OH) counts 24 loans in the Limited-service restaurant class. First Financial Bank (OH) study needs occupancy cost. For 24 Limited-service restaurant loans, site traffic stays open. First Financial Bank (OH) total of $265.5 million says nothing about any one site. First Financial Bank (OH) also has 492 loans in no tracked class. At First Financial Bank (OH), the project must carry the case. First Financial Bank (OH): 342 loans in Ohio, each site needs local evidence. First Financial Bank (OH) should be asked directly what it needs. 678 loans at First Financial Bank (OH) do not measure demand at one site. First Financial Bank (OH): competing supply near the site matters most. First Financial Bank (OH) study revenue assumptions need written support. First Financial Bank (OH) request: build cost quoted, not assumed. First Financial Bank (OH) debt service needs a cautious revenue case.No count of First Financial Bank (OH) approvals replaces a separate valuation of this site. First Financial Bank (OH) study should state its downside case. First Financial Bank (OH): state assumptions, test coverage, support value. First Financial Bank (OH) carries $265.5 million in gross approvals on 678 loans. First Financial Bank (OH) equity belongs in the study.
First Financial Bank (OH) cancellation floors stop at FY2024 approvals. First Financial Bank (OH) totals add FY2025 and FY2026 approvals. The First Financial Bank (OH) cohort holds 435 loans, disbursed FY2017 to FY2021. First Financial Bank (OH) figures describe loans held, not lender practices. 678 loans cannot predict one new request to First Financial Bank (OH). For First Financial Bank (OH), a withheld value is never a zero.
SBA loans held by First Financial Bank (OH)
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 | 678 |
|---|---|
| Gross dollars approved | $265.5 million |
| SBA 7(a) loans | 678 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 12.1% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 2.1% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 435 |
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 | 492 |
| Full-service restaurant | 36 |
| Limited-service restaurant | 24 |
| Dental office | 17 |
| Child care center | 13 |
| Liquor store | 13 |
| Automotive mechanical repair (car and truck) | 11 |
| Fitness center | 11 |
| Rehabilitation and therapy clinic | 9 |
| Grocery store | 9 |
| Beauty salon | 8 |
| Beverage manufacturing (breweries, wineries, distilleries) | 7 |
| Medical office (physicians) | 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
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-6600.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study consultant
- The Huntington National Bank: SBA Lending Record
- U.S. Bank, National Association: SBA Lending Record
- JPMorgan Chase Bank, National Association: SBA Lending Record
- United Midwest Savings Bank National Association: SBA Lending Record
- KeyBank National Association: SBA Lending Record
- Fifth Third Bank: SBA Lending Record
- Growth Capital Corp.: SBA Lending Record
- Telhio Credit Union Inc: SBA Lending Record
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