SBA 7(a) lenders in Hays, TX

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

Lenders

123 institutions have SBA 7(a) loans on record in Hays, together $403.3M across 726 loans. Live Oak Banking Company is the largest, with 12% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	30	$50.0M	12.4%	0.25%
2	Wallis Bank	11	$25.4M	6.3%	0.00%
3	The Huntington National Bank	46	$25.4M	6.3%	1.30%
4	Wells Fargo Bank National Association	87	$20.0M	5.0%	1.40%
5	JPMorgan Chase Bank, National Association	59	$14.6M	3.6%	0.21%
6	PNC Bank, National Association	35	$11.8M	2.9%	3.86%
7	Plains State Bank	6	$8.7M	2.2%	0.00%
8	Citizens Bank	8	$7.9M	2.0%	0.00%
9	Broadway National Bank	26	$7.4M	1.8%	3.07%
10	SouthState Bank, National Association	5	$7.0M	1.7%	0.00%
11	Frost Bank	24	$6.8M	1.7%	1.20%
12	Celtic Bank Corporation	12	$6.4M	1.6%	0.00%
13	Fifth Third Bank	6	$6.3M	1.6%	13.17%
14	Security State Bank and Trust	8	$6.2M	1.5%	0.00%
15	Regions Bank	8	$6.1M	1.5%	0.00%
16	Enterprise Bank & Trust	5	$5.2M	1.3%	0.00%
17	Third Coast Bank	11	$5.1M	1.3%	0.00%
18	American Bank of Commerce	10	$5.0M	1.2%	0.00%
19	Port 51 Lending LLC	1	$5.0M	1.2%	0.00%
20	Metro City Bank	1	$5.0M	1.2%	0.00%
21	Everwise Credit Union	1	$5.0M	1.2%	0.00%
22	MVB Bank, Inc.	1	$5.0M	1.2%	0.00%
23	Members Choice CU	1	$4.8M	1.2%	0.00%
24	Amplify CU	4	$4.6M	1.1%	0.00%
25	Stearns Bank National Association	10	$4.5M	1.1%	1.64%
26	BankUnited, National Association	2	$4.4M	1.1%	0.00%
27	Hancock Whitney Bank	2	$4.4M	1.1%	0.00%
28	The Fidelity Bank	1	$4.3M	1.1%	0.00%
29	Horizon Bank SSB	12	$4.2M	1.0%	0.00%
30	Sunflower Bank National Association	8	$4.0M	1.0%	0.00%
31	First United Bank and Trust Company	3	$3.7M	0.9%	0.00%
32	Community Banks of Colorado, A Division of NBH Bank	1	$3.6M	0.9%	0.00%
33	Newtek Bank, National Association	12	$3.6M	0.9%	0.00%
34	American Pride Bank	1	$3.6M	0.9%	0.00%
35	Bank of Hope	1	$3.4M	0.9%	0.00%
36	Texas Financial Bank	1	$3.2M	0.8%	0.00%
37	Peoples Bank	1	$3.1M	0.8%	0.00%
38	Randolph-Brooks FCU	24	$3.1M	0.8%	8.30%
39	Prosperity Bank	12	$3.0M	0.7%	0.00%
40	PlainsCapital Bank	7	$2.9M	0.7%	0.00%
41	Banc of California	2	$2.9M	0.7%	0.00%
42	Trustmark Bank	2	$2.8M	0.7%	0.00%
43	Northwest FCU	1	$2.7M	0.7%	0.00%
44	T Bank, National Association	3	$2.7M	0.7%	0.00%
45	Ameris Bank	2	$2.5M	0.6%	0.00%
46	First National Bank of Pennsylvania	2	$2.4M	0.6%	0.00%
47	American Momentum Bank	2	$2.4M	0.6%	0.00%
48	Texas Capital Bank	3	$2.4M	0.6%	0.00%
49	Schertz Bank & Trust	5	$2.3M	0.6%	54.87%
50	Hanmi Bank	3	$2.3M	0.6%	0.00%
51	VelocitySBA, LLC	13	$2.3M	0.6%	0.75%
52	Frontier Bank of Texas	6	$2.2M	0.5%	0.00%
53	The Bancorp Bank National Association	2	$2.1M	0.5%	3.69%
54	Bank OZK	4	$2.1M	0.5%	0.00%
55	Leader Bank, National Association	1	$2.1M	0.5%	0.00%
56	Northeast Bank	15	$2.1M	0.5%	0.00%
57	Midwest Regional Bank	3	$2.0M	0.5%	0.00%
58	Readycap Lending, LLC	7	$1.9M	0.5%	11.22%
59	Susser Bank	1	$1.9M	0.5%	0.00%
60	R Bank	3	$1.8M	0.4%	0.00%
61	Five Star Bank	4	$1.7M	0.4%	0.00%
62	Glacier Bank	1	$1.6M	0.4%	0.00%
63	Amarillo National Bank	1	$1.6M	0.4%	0.00%
64	United Midwest Savings Bank National Association	9	$1.6M	0.4%	6.48%
65	Zions Bank, A Division of	2	$1.5M	0.4%	5.93%
66	Colony Bank	2	$1.5M	0.4%	0.00%
67	Customers Bank	4	$1.5M	0.4%	0.00%
68	University FCU	5	$1.4M	0.3%	0.00%
69	BayFirst National Bank	9	$1.4M	0.3%	0.00%
70	United Community Bank	2	$1.4M	0.3%	0.00%
71	PeopleFund	14	$1.4M	0.3%	19.80%
72	Simmons Bank	4	$1.4M	0.3%	4.41%
73	Capital Certified Development Corporation	5	$1.4M	0.3%	0.00%
74	Columbia Bank	3	$1.3M	0.3%	0.00%
75	SouthStar Bank, S.S.B.	5	$1.2M	0.3%	0.00%
76	Bank Five Nine	2	$1.1M	0.3%	0.00%
77	First Guaranty Bank	2	$1.0M	0.2%	0.00%
78	Solera National Bank	1	$835K	0.2%	0.00%
79	U.S. Bank, National Association	4	$824K	0.2%	0.00%
80	Banesco USA	1	$800K	0.2%	0.00%
81	Business Lenders, LLC	1	$800K	0.2%	0.00%
82	TransPecos Banks, SSB.	1	$797K	0.2%	0.00%
83	Beacon Bank and Trust	1	$760K	0.2%	0.00%
84	Ozona Bank	2	$740K	0.2%	0.00%
85	Bank of America, National Association	4	$706K	0.2%	0.00%
86	Newtek Small Business Finance, Inc.	5	$705K	0.2%	4.30%
87	Capital Bank, National Association	1	$675K	0.2%	0.00%
88	Primis Bank	1	$651K	0.2%	0.00%
89	Gulf Coast Bank and Trust Company	1	$650K	0.2%	0.00%
90	Harvest Small Business Finance, LLC	1	$640K	0.2%	0.00%
91	Climate First Bank	1	$637K	0.2%	0.00%
92	FWBank	1	$610K	0.2%	0.00%
93	ConnectOne Bank	1	$595K	0.1%	0.00%
94	LiftFund, Inc.	5	$585K	0.1%	0.00%
95	America First Federal Credit Union	1	$583K	0.1%	0.00%
96	First Internet Bank of Indiana	2	$523K	0.1%	0.00%
97	Byline Bank	1	$450K	0.1%	0.00%
98	First Lockhart Bank	1	$437K	0.1%	0.00%
99	Pinnacle Bank	1	$418K	0.1%	0.00%
100	Magnifi Financial CU	1	$395K	0.1%	0.00%
101	Lincoln Savings Bank	1	$350K	0.1%	0.00%
102	Texas Champion Bank	2	$350K	0.1%	29.80%
103	Hanover Community Bank	1	$323K	0.1%	0.00%
104	AmeriState Bank	1	$320K	0.1%	0.00%
105	First Bank of the Lake	2	$300K	0.1%	0.00%
106	Heritage Bank Inc	2	$300K	0.1%	0.00%
107	Sage Capital Bank	2	$290K	0.1%	0.00%
108	First Bank	1	$282K	0.1%	0.00%
109	FirstBank	1	$250K	0.1%	0.00%
110	Pathward National Association	1	$250K	0.1%	0.00%
111	CDC Small Business Finance Corp.	2	$245K	0.1%	0.00%
112	KeyBank National Association	1	$240K	0.1%	0.00%
113	Equity Bank	1	$210K	0.1%	0.00%
114	Citizens National Bank of Texas	2	$200K	0.0%	0.00%
115	Coastal States Bank	1	$195K	0.0%	0.00%
116	Independence Bank	1	$125K	0.0%	97.11%
117	Rio Bank	1	$121K	0.0%	0.00%
118	FinWise Bank	1	$100K	0.0%	0.00%
119	Bank of Springfield	1	$80K	0.0%	0.00%
120	Velocity CU	1	$64K	0.0%	65.56%
121	Alliance Credit Union	1	$50K	0.0%	0.00%
122	Capital One National Association	1	$35K	0.0%	0.00%
123	The First National Bank of Ballinger	1	$18K	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	Accommodation & food services	104	$99.7M	24.7%
2	Other services	95	$46.1M	11.4%
3	Health care & social assistance	60	$44.4M	11.0%
4	Retail trade	49	$37.9M	9.4%
5	Professional & technical services	65	$31.2M	7.7%
6	Construction	101	$27.6M	6.8%
7	Arts, entertainment & recreation	33	$20.7M	5.1%
8	Real estate & leasing	23	$19.3M	4.8%
9	Administrative & waste services	34	$14.2M	3.5%
10	Manufacturing	28	$12.1M	3.0%
11	Wholesale trade	25	$10.3M	2.5%
12	Retail trade	32	$8.8M	2.2%
13	Manufacturing	12	$8.1M	2.0%
14	Manufacturing	16	$7.5M	1.9%
15	Educational services	10	$4.8M	1.2%
16	Information	11	$2.7M	0.7%
17	Transportation & warehousing	10	$2.1M	0.5%
18	Mining & extraction	2	$1.7M	0.4%
19	Finance & insurance	7	$1.6M	0.4%
20	Management of companies	1	$1.3M	0.3%
21	Utilities	5	$785K	0.2%
22	Transportation & warehousing	3	$482K	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.