SBA 7(a) lenders in Texas, MO
Approvals in SBA fiscal years 2008–2025. Source data as of 2026-06-30.
Lenders
18 institutions have SBA 7(a) loans on record in Texas, together $22.2M across 53 loans. Simmons Bank is the largest, with 25% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Simmons Bank | 5 | $5.5M | 24.7% | 0.00% |
| 2 | OakStar Bank | 1 | $2.7M | 12.1% | 32.01% |
| 3 | Heritage Bank of the Ozarks | 4 | $2.4M | 10.9% | 0.00% |
| 4 | North Valley Bank | 2 | $2.3M | 10.4% | 0.00% |
| 5 | Town and Country Bank | 11 | $2.2M | 9.7% | 0.00% |
| 6 | Live Oak Banking Company | 3 | $2.0M | 8.9% | 0.00% |
| 7 | Peoples Community Bank | 1 | $1.5M | 6.6% | 45.26% |
| 8 | Legacy Bank & Trust Company | 6 | $1.2M | 5.3% | 0.00% |
| 9 | Arvest Bank | 7 | $1.0M | 4.6% | 0.00% |
| 10 | Community First Banking Company | 1 | $380K | 1.7% | 0.00% |
| 11 | Progressive Ozark Bank | 2 | $350K | 1.6% | 0.00% |
| 12 | Phelps County Bank | 2 | $224K | 1.0% | 0.00% |
| 13 | Sullivan Bank | 2 | $156K | 0.7% | 0.00% |
| 14 | Colony Bank | 1 | $150K | 0.7% | 0.00% |
| 15 | Guaranty Bank | 1 | $105K | 0.5% | 10.34% |
| 16 | Town and Country Bank Midwest | 1 | $62K | 0.3% | 0.00% |
| 17 | U.S. Bank, National Association | 2 | $40K | 0.2% | 0.00% |
| 18 | VelocitySBA, LLC | 1 | $5K | 0.0% | 0.00% |
Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.
What the money went into
| Rank | Industry | Loans | Approved | Share of county |
|---|---|---|---|---|
| 1 | Manufacturing | 6 | $6.9M | 31.0% |
| 2 | Other services | 7 | $3.2M | 14.6% |
| 3 | Retail trade | 5 | $2.9M | 13.2% |
| 4 | Mining & extraction | 1 | $2.7M | 12.1% |
| 5 | Agriculture, forestry & fishing | 6 | $2.4M | 11.0% |
| 6 | Retail trade | 5 | $880K | 4.0% |
| 7 | Professional & technical services | 5 | $577K | 2.6% |
| 8 | Finance & insurance | 2 | $485K | 2.2% |
| 9 | Accommodation & food services | 2 | $412K | 1.9% |
| 10 | Construction | 4 | $406K | 1.8% |
| 11 | Manufacturing | 1 | $380K | 1.7% |
| 12 | Transportation & warehousing | 4 | $347K | 1.6% |
| 13 | Manufacturing | 1 | $267K | 1.2% |
| 14 | Information | 2 | $185K | 0.8% |
| 15 | Wholesale trade | 1 | $50K | 0.2% |
| 16 | Real estate & leasing | 1 | $25K | 0.1% |
Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.
About this data
Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.