SBA 7(a) lenders in Ellis, TX

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

103 institutions have SBA 7(a) loans on record in Ellis, together $243.5M across 448 loans. Citizens National Bank of Texas is the largest, with 7% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Citizens National Bank of Texas	61	$16.0M	6.6%	2.97%
2	Wells Fargo Bank National Association	44	$16.0M	6.6%	3.28%
3	American Momentum Bank	4	$12.9M	5.3%	0.00%
4	US Metro Bank	3	$10.3M	4.2%	0.00%
5	Metro City Bank	7	$9.9M	4.1%	0.00%
6	Live Oak Banking Company	9	$8.2M	3.4%	0.48%
7	Enterprise Bank & Trust	6	$7.2M	2.9%	0.00%
8	Celtic Bank Corporation	4	$7.1M	2.9%	0.00%
9	InterBank	8	$6.9M	2.8%	0.00%
10	PNC Bank, National Association	36	$5.8M	2.4%	1.11%
11	Texas Security Bank	3	$5.2M	2.2%	0.00%
12	VelocitySBA, LLC	3	$4.9M	2.0%	0.40%
13	The Huntington National Bank	14	$4.7M	2.0%	0.00%
14	First Financial Bank	3	$4.7M	1.9%	0.00%
15	The Bancorp Bank National Association	3	$4.7M	1.9%	2.66%
16	Fifth Third Bank	7	$4.6M	1.9%	0.00%
17	Byline Bank	6	$4.6M	1.9%	0.00%
18	The American National Bank of Texas	8	$4.5M	1.9%	0.00%
19	Spectra Bank	2	$4.3M	1.8%	0.00%
20	Citizens Bank	5	$4.2M	1.7%	0.00%
21	First State Bank	1	$4.2M	1.7%	0.00%
22	Wallis Bank	4	$3.6M	1.5%	0.00%
23	JPMorgan Chase Bank, National Association	38	$3.6M	1.5%	0.37%
24	United Midwest Savings Bank National Association	17	$3.5M	1.4%	0.00%
25	Frost Bank	6	$3.5M	1.4%	0.00%
26	Columbia Bank	1	$3.4M	1.4%	0.00%
27	Newtek Small Business Finance, Inc.	3	$3.4M	1.4%	0.00%
28	Colony Bank	5	$3.3M	1.4%	0.00%
29	Broadway National Bank	2	$3.1M	1.3%	0.00%
30	PlainsCapital Bank	7	$3.0M	1.2%	0.00%
31	Fund-Ex Solutions Group, LLC	1	$2.9M	1.2%	0.00%
32	Capital One National Association	1	$2.6M	1.1%	0.00%
33	Open Bank	1	$2.4M	1.0%	0.00%
34	Susser Bank	3	$2.3M	1.0%	0.00%
35	Pathward National Association	1	$2.1M	0.9%	0.00%
36	Newtek Bank, National Association	7	$2.0M	0.8%	16.50%
37	United Community Bank	3	$1.9M	0.8%	0.00%
38	Midwest Regional Bank	1	$1.9M	0.8%	0.00%
39	Sunflower Bank National Association	2	$1.8M	0.7%	0.00%
40	BayFirst National Bank	5	$1.8M	0.7%	0.00%
41	Readycap Lending, LLC	6	$1.8M	0.7%	0.00%
42	Grasshopper Bank National Association	2	$1.7M	0.7%	0.00%
43	Bank of America, National Association	3	$1.7M	0.7%	0.00%
44	Texas Capital Bank	1	$1.6M	0.7%	0.00%
45	Merchants Bank of Indiana	1	$1.5M	0.6%	0.00%
46	First Commonwealth Bank	1	$1.4M	0.6%	0.00%
47	Truliant FCU	1	$1.3M	0.6%	0.00%
48	First Bank of the Lake	1	$1.2M	0.5%	0.00%
49	Beacon Bank and Trust	1	$1.2M	0.5%	0.00%
50	Great Plains National Bank	1	$1.2M	0.5%	0.00%
51	Bank Five Nine	1	$1.2M	0.5%	0.00%
52	Northeast Bank	11	$1.1M	0.5%	0.00%
53	SouthState Bank, National Association	4	$1.1M	0.4%	0.00%
54	22nd State Bank, A Division of 22nd State Banking Company	1	$1.0M	0.4%	0.00%
55	Hanmi Bank	1	$1.0M	0.4%	0.00%
56	Commonwealth Business Bank	2	$959K	0.4%	0.00%
57	IncredibleBank	1	$951K	0.4%	0.00%
58	PCB Bank	1	$950K	0.4%	0.00%
59	Community National Bank and Trust of Texas	4	$939K	0.4%	7.78%
60	First Internet Bank of Indiana	1	$935K	0.4%	0.00%
61	First-Citizens Bank & Trust Company	1	$860K	0.4%	0.00%
62	Commercial State Bank	2	$831K	0.3%	0.00%
63	First Merchants Bank	1	$815K	0.3%	0.00%
64	Planters Bank and Trust Company	1	$750K	0.3%	0.00%
65	The First National Bank of McGregor d/b/a TFNB Your Bank for Life	2	$743K	0.3%	0.00%
66	Harvest Small Business Finance, LLC	2	$743K	0.3%	0.00%
67	Customers Bank	1	$685K	0.3%	0.00%
68	Simmons Bank	1	$670K	0.3%	0.00%
69	MidFirst Bank	1	$585K	0.2%	0.00%
70	Falcon National Bank	1	$585K	0.2%	77.82%
71	LiftFund, Inc.	3	$532K	0.2%	0.00%
72	Zions Bank, A Division of	1	$495K	0.2%	0.00%
73	America First Federal Credit Union	1	$492K	0.2%	0.00%
74	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$425K	0.2%	0.00%
75	Titan Bank, National Association	1	$421K	0.2%	0.00%
76	SpiritBank	1	$396K	0.2%	0.00%
77	Georgia Banking Company	1	$370K	0.2%	0.00%
78	Shoreham Bank	1	$364K	0.1%	0.00%
79	Trinity Capital Bank of Texas	1	$358K	0.1%	0.00%
80	Five Star Bank	1	$350K	0.1%	0.00%
81	Texas First Bank	1	$348K	0.1%	0.00%
82	Colonial Savings FA	2	$341K	0.1%	0.00%
83	Regions Bank	1	$300K	0.1%	0.00%
84	Stellar Bank	1	$269K	0.1%	0.00%
85	First United Bank and Trust Company	1	$250K	0.1%	0.00%
86	U.S. Bank, National Association	2	$231K	0.1%	0.00%
87	Capital Certified Development Corporation	2	$225K	0.1%	0.00%
88	East West Bank	2	$220K	0.1%	0.00%
89	American Bank of Commerce	2	$218K	0.1%	0.00%
90	The First National Bank of Tom Bean	1	$203K	0.1%	0.00%
91	PeopleFund	2	$198K	0.1%	26.44%
92	Bank of Hope	4	$190K	0.1%	24.58%
93	Lendistry SBLC, LLC	1	$150K	0.1%	0.00%
94	Pinnacle Bank	1	$149K	0.1%	0.00%
95	Avana Bank	1	$135K	0.1%	0.00%
96	First Mid Bank & Trust, National Association	1	$125K	0.1%	0.00%
97	Independence Bank	1	$100K	0.0%	0.00%
98	Accion Opportunity Fund Community Development	1	$100K	0.0%	0.00%
99	Seacoast National Bank	1	$100K	0.0%	67.12%
100	CDC Small Business Finance Corp.	1	$75K	0.0%	0.00%
101	Truist Bank	1	$60K	0.0%	0.00%
102	Farmers and Merchants Savings Bank	1	$50K	0.0%	0.00%
103	Randolph-Brooks FCU	1	$50K	0.0%	98.06%

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	Other services	64	$45.0M	18.5%
2	Accommodation & food services	55	$44.7M	18.4%
3	Health care & social assistance	42	$33.7M	13.8%
4	Construction	70	$17.0M	7.0%
5	Manufacturing	23	$16.7M	6.9%
6	Retail trade	31	$16.6M	6.8%
7	Professional & technical services	34	$14.0M	5.8%
8	Wholesale trade	14	$10.7M	4.4%
9	Transportation & warehousing	30	$8.7M	3.6%
10	Retail trade	14	$8.0M	3.3%
11	Administrative & waste services	25	$7.6M	3.1%
12	Manufacturing	6	$5.3M	2.2%
13	Arts, entertainment & recreation	10	$3.9M	1.6%
14	Information	5	$3.3M	1.4%
15	Real estate & leasing	5	$3.1M	1.3%
16	Educational services	7	$1.9M	0.8%
17	Finance & insurance	5	$1.5M	0.6%
18	Manufacturing	5	$1.3M	0.5%
19	Management of companies	1	$250K	0.1%
20	Utilities	1	$45K	0.0%
21	Agriculture, forestry & fishing	1	$10K	0.0%

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.