First National Bank of Pennsylvania: SBA Lending Record

What SBA's own loan files show about First National Bank of Pennsylvania as an SBA lender, and how a lender's record bears on a feasibility study.

Loans held and dollars at First National Bank of Pennsylvania

SBA files 1,282 loans approved in FY2017 to FY2026 under First National Bank of Pennsylvania as holder. First National Bank of Pennsylvania loans reach $1.07 billion in gross approved dollars. First National Bank of Pennsylvania figures are holder-based: SBA's file, 1,282 loans, held now or before. First National Bank of Pennsylvania is not the guarantor. SBA tags 1,282 as 7(a), none 504, under First National Bank of Pennsylvania. First National Bank of Pennsylvania appears as holder, current or last.

871 of 1,282 loans have no tracked class, which leaves First National Bank of Pennsylvania class rows thinner. For First National Bank of Pennsylvania, full-service restaurant leads the class rows, 82 loans. After that, child care center at 68, limited-service restaurant (58) and 38 loans in automotive mechanical repair. Lower First National Bank of Pennsylvania rows: 25 in fitness center, medical office with 15 loans and liquor store at 13. First National Bank of Pennsylvania table: classes beyond these appear there.

First National Bank of Pennsylvania by state: 309 in North Carolina, Pennsylvania (229), 123 in Florida, Virginia (123), 108 in Maryland, Ohio (87), 39 in Illinois, Texas (37) and 34 in New York. North Carolina holds the largest share, 309 loans. Far down the list, First National Bank of Pennsylvania gives a project little local depth.

First National Bank of Pennsylvania: loans cancelled or charged off

16.5%: the floor on cancellations, among First National Bank of Pennsylvania approvals from FY2017 to FY2024. No ceiling is printed for First National Bank of Pennsylvania; Loan Analytics holds it back. First National Bank of Pennsylvania: 6.9% is charged off, a floor, across 562 loans disbursed FY2017 to FY2021. For First National Bank of Pennsylvania, the five-year charge-off figure is 2.8%. First National Bank of Pennsylvania outcomes show; reasons do not. First National Bank of Pennsylvania cohort rates cover FY2017 to FY2021 disbursements. First National Bank of Pennsylvania: 16.5% is a floor, 1,282 loans notwithstanding, not a forecast. First National Bank of Pennsylvania: every rate here is a floor, 1,282 loans or not; 16.5% included.

First National Bank of Pennsylvania in a study

For First National Bank of Pennsylvania, a bank or lender, 1,282 loans sit in SBA records. First National Bank of Pennsylvania has no row that says what First National Bank of Pennsylvania wants from a borrower. For First National Bank of Pennsylvania, weigh child care center, 1,282 loans deep, and the project against Pennsylvania. Sources beside First National Bank of Pennsylvania should be listed in the study, 1,282 loans or not.

1,282 loans at First National Bank of Pennsylvania are context only. For the project, North Carolina or elsewhere, First National Bank of Pennsylvania proves nothing. 1,282 loans at First National Bank of Pennsylvania set no child care center demand; Pennsylvania conditions decide it, not First National Bank of Pennsylvania. Each budget line, 1,282 loans aside, meets raised funds. 1,282 loans give First National Bank of Pennsylvania breadth, not depth. For First National Bank of Pennsylvania, a margin that survives 16.5%, and more, serves the study. First National Bank of Pennsylvania aside, debt service coverage keeps 16.5% in view, on stabilized income. Collateral for First National Bank of Pennsylvania rests on the appraisal. First National Bank of Pennsylvania: a study delivers a file, never approval.

SBA loans held by First National Bank of Pennsylvania

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 FY20261,282
Gross dollars approved$1.07 billion
SBA 7(a) loans1,282
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)16.5%
The same, counting loans still undisbursed as cancelled (a ceiling)withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)6.9%
Charged off within five years of approval2.8%
Loans in that cohort562

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 classLoans
Not in any of the 39 asset classes871
Full-service restaurant82
Child care center68
Limited-service restaurant58
Automotive mechanical repair (car and truck)38
Fitness center25
Medical office (physicians)15
Liquor store13
Beverage manufacturing (breweries, wineries, distilleries)12
Beauty salon11
Grocery store11
Car wash10
Nonresidential lessor (flex, office and retail investor buildings)10
Dental office10
Veterinary clinic8
Coffee shop and snack bar8
School (elementary and secondary, including charter)6
Data center6
Rehabilitation and therapy clinic5
Caterers (includes banquet halls with catering staff)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-7888.

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 National Bank of Pennsylvania 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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