First Financial Bank: SBA Lending Profile
First Financial Bank is an FDIC-insured bank, headquartered in El Dorado, AR. It is a national lender, with SBA loans on record in 47 states and territories. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes First Financial Bank actually approves
The median SBA approval at First Financial Bank is $589,500. The middle 80% of its loans fall between $78,200 and $2,295,100. The smallest approval on record since 2020 is $13,000 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 298 | $590K | 7.5% | 10 years |
| 504 first mortgage (third party) | 29 | $484K | n/a | 20 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Broilers and Other Meat Type Chicken Production | 301 | 28.1% |
| Pet Care (except Veterinary) Services | 107 | 10% |
| Pharmacies and Drug Retailers | 106 | 9.9% |
| Other Poultry Production | 74 | 6.9% |
| Pharmacies and Drug Stores | 54 | 5% |
| Veterinary Services | 33 | 3.1% |
| General Freight Trucking, Local | 20 | 1.9% |
| Offices of Dentists | 11 | 1% |
| Home Health Care Services | 10 | 0.9% |
| Fitness and Recreational Sports Centers | 10 | 0.9% |
| Full-Service Restaurants | 10 | 0.9% |
| Hobby, Toy, and Game Retailers | 9 | 0.8% |
Conventional small business lending, beyond SBA
SBA loans are a fraction of most banks' small business lending. Under the Community Reinvestment Act, First Financial Bank reported 47,879 small business loan originations in 2024, totaling $790M, at an average of about $17K per loan across 52 states. 2.1% of those loans went to businesses with under $1M in annual revenue. The low average size indicates this is largely business credit card or small line volume rather than term lending.
Borrower profile
- 31.4% of its recent SBA loans went to startups or businesses under two years old.
- Collateral was taken on 97.2% of its recent SBA loans.
- 44.6% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Conventional small business lending figures from FFIEC CRA disclosure data (2024 activity year); CRA loan counts include business credit card originations at some institutions. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by First Financial Bank.