SBA 7(a) lenders in Shelby, TX
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
21 institutions have SBA 7(a) loans on record in Shelby, together $102.4M across 94 loans. First Financial Bank is the largest, with 51% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | First Financial Bank | 52 | $52.4M | 51.2% | 0.10% |
| 2 | Live Oak Banking Company | 10 | $22.1M | 21.6% | 0.00% |
| 3 | Southern Bancorp Bank | 2 | $4.4M | 4.3% | 0.00% |
| 4 | Wallis Bank | 2 | $3.5M | 3.5% | 0.00% |
| 5 | Farmers State Bank | 6 | $3.0M | 3.0% | 0.00% |
| 6 | Citizens Bank | 3 | $3.0M | 3.0% | 0.00% |
| 7 | Wells Fargo Bank National Association | 1 | $2.5M | 2.5% | 0.00% |
| 8 | U.S. Bank, National Association | 2 | $1.9M | 1.9% | 0.00% |
| 9 | United Midwest Savings Bank National Association | 1 | $1.9M | 1.9% | 0.00% |
| 10 | Readycap Lending, LLC | 1 | $1.6M | 1.6% | 0.00% |
| 11 | Home Bank, National Association | 1 | $1.6M | 1.5% | 0.00% |
| 12 | Lendistry SBLC, LLC | 1 | $1.2M | 1.2% | 0.00% |
| 13 | Southwestern National Bank | 1 | $880K | 0.9% | 0.00% |
| 14 | The Huntington National Bank | 2 | $746K | 0.7% | 0.00% |
| 15 | Five Star Bank | 2 | $515K | 0.5% | 0.00% |
| 16 | Independence Bank | 2 | $300K | 0.3% | 0.00% |
| 17 | American First National Bank | 1 | $265K | 0.3% | 0.00% |
| 18 | PeopleFund | 1 | $211K | 0.2% | 0.00% |
| 19 | First Merchants Bank | 1 | $150K | 0.1% | 0.00% |
| 20 | Commercial Bank of Texas N.A. | 1 | $18K | 0.0% | 0.00% |
| 21 | VelocitySBA, LLC | 1 | $8K | 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 | Agriculture, forestry & fishing | 65 | $79.0M | 77.2% |
| 2 | Retail trade | 6 | $7.3M | 7.1% |
| 3 | Accommodation & food services | 4 | $7.1M | 6.9% |
| 4 | Retail trade | 3 | $3.0M | 2.9% |
| 5 | Mining & extraction | 4 | $2.0M | 2.0% |
| 6 | Other services | 3 | $2.0M | 1.9% |
| 7 | Construction | 3 | $1.1M | 1.1% |
| 8 | Health care & social assistance | 2 | $515K | 0.5% |
| 9 | Professional & technical services | 2 | $300K | 0.3% |
| 10 | Manufacturing | 1 | $150K | 0.1% |
| 11 | Wholesale trade | 1 | $8K | 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.