SBA 7(a) lenders in Smith, TX

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

Lenders

101 institutions have SBA 7(a) loans on record in Smith, together $270.4M across 452 loans. Live Oak Banking Company is the largest, with 9% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	15	$23.0M	8.5%	0.00%
2	The Huntington National Bank	36	$19.3M	7.2%	2.60%
3	Texas National Bank of Jacksonville	32	$15.4M	5.7%	0.97%
4	Readycap Lending, LLC	13	$12.3M	4.6%	5.42%
5	Austin Bank Texas National Association	31	$12.2M	4.5%	4.03%
6	JPMorgan Chase Bank, National Association	32	$8.0M	3.0%	0.92%
7	US Metro Bank	4	$8.0M	2.9%	0.00%
8	Celtic Bank Corporation	12	$7.6M	2.8%	3.43%
9	Regions Bank	15	$6.6M	2.4%	0.00%
10	T Bank, National Association	2	$6.2M	2.3%	0.00%
11	PNC Bank, National Association	18	$5.9M	2.2%	11.74%
12	The Bancorp Bank National Association	6	$5.4M	2.0%	0.00%
13	Newtek Small Business Finance, Inc.	6	$5.3M	1.9%	0.00%
14	Golden Bank National Association	2	$5.2M	1.9%	0.00%
15	Altra Federal Credit Union	23	$4.9M	1.8%	13.62%
16	Enterprise Bank & Trust	2	$4.6M	1.7%	0.00%
17	GBank	3	$4.0M	1.5%	0.00%
18	Fifth Third Bank	2	$4.0M	1.5%	0.00%
19	BankUnited, National Association	1	$3.9M	1.4%	0.00%
20	PCB Bank	2	$3.8M	1.4%	0.00%
21	One World Bank	2	$3.8M	1.4%	0.00%
22	VeraBank National Association	6	$3.7M	1.4%	0.30%
23	VelocitySBA, LLC	4	$3.6M	1.3%	0.00%
24	Truliant FCU	1	$3.5M	1.3%	0.00%
25	Old National Bank	3	$3.4M	1.3%	0.00%
26	Texas Bank and Trust Company	5	$3.4M	1.2%	0.00%
27	Beacon Bank and Trust	3	$3.3M	1.2%	0.00%
28	Byline Bank	4	$3.3M	1.2%	0.00%
29	Wells Fargo Bank National Association	9	$3.1M	1.1%	21.79%
30	Simmons Bank	5	$3.0M	1.1%	0.00%
31	Bank of Hope	2	$2.7M	1.0%	0.00%
32	Banc of California	1	$2.6M	1.0%	0.00%
33	PlainsCapital Bank	5	$2.6M	0.9%	0.00%
34	United Midwest Savings Bank National Association	10	$2.5M	0.9%	15.17%
35	Gulf Coast Bank and Trust Company	3	$2.5M	0.9%	0.64%
36	First Internet Bank of Indiana	3	$2.4M	0.9%	24.56%
37	Security State Bank and Trust	2	$2.3M	0.8%	0.00%
38	Gibsland Bank & Trust Company	2	$2.2M	0.8%	0.00%
39	U.S. Bank, National Association	1	$2.1M	0.8%	0.00%
40	First Oklahoma Bank	1	$2.1M	0.8%	0.00%
41	Origin Bank	5	$2.0M	0.7%	0.00%
42	Metro City Bank	1	$1.9M	0.7%	0.00%
43	Newtek Bank, National Association	10	$1.9M	0.7%	0.00%
44	Citizens Bank	2	$1.8M	0.7%	0.00%
45	BayFirst National Bank	6	$1.7M	0.6%	26.69%
46	Colony Bank	1	$1.7M	0.6%	0.00%
47	Midwest Regional Bank	3	$1.6M	0.6%	15.83%
48	Prosperity Bank	3	$1.6M	0.6%	9.41%
49	First United Bank and Trust Company	1	$1.6M	0.6%	0.00%
50	Hanmi Bank	3	$1.5M	0.5%	0.00%
51	Pathward National Association	1	$1.4M	0.5%	0.00%
52	SouthState Bank, National Association	4	$1.4M	0.5%	0.00%
53	Texas Capital Bank	2	$1.4M	0.5%	0.00%
54	UBank	2	$1.4M	0.5%	0.00%
55	The American National Bank of Texas	3	$1.4M	0.5%	0.00%
56	United Community Bank	3	$1.3M	0.5%	0.00%
57	Bank Five Nine	2	$1.2M	0.4%	0.00%
58	Texas Bank	5	$1.0M	0.4%	0.00%
59	First Horizon Bank	1	$1.0M	0.4%	0.00%
60	Lendistry SBLC, LLC	1	$910K	0.3%	0.00%
61	American State Bank	2	$886K	0.3%	0.00%
62	The First National Bank of Tom Bean	1	$794K	0.3%	0.00%
63	Frost Bank	1	$782K	0.3%	0.00%
64	Northeast Bank	7	$765K	0.3%	0.00%
65	BMO Bank National Association	1	$721K	0.3%	0.00%
66	Southside Bank	1	$720K	0.3%	0.00%
67	North State Bank	1	$714K	0.3%	0.00%
68	Centennial Bank	1	$677K	0.3%	0.00%
69	Stearns Bank National Association	2	$671K	0.2%	0.00%
70	Evolve Bank and Trust	1	$565K	0.2%	0.00%
71	First Bank of the Lake	2	$565K	0.2%	0.00%
72	Unity National Bank of Houston	2	$551K	0.2%	25.21%
73	Columbia Bank	2	$540K	0.2%	0.00%
74	Capital One National Association	3	$520K	0.2%	0.00%
75	Bank of America, National Association	3	$512K	0.2%	0.00%
76	Happen Bank	1	$512K	0.2%	0.00%
77	First Financial Bank	1	$500K	0.2%	0.00%
78	Planters Bank and Trust Company	3	$454K	0.2%	0.00%
79	Peoples Bank	2	$452K	0.2%	0.00%
80	Coastal States Bank	1	$450K	0.2%	0.00%
81	First Bank	2	$375K	0.1%	0.00%
82	PeopleFund	3	$366K	0.1%	0.00%
83	Stride Bank, National Association	1	$350K	0.1%	0.00%
84	Commercial Bank of Texas N.A.	1	$345K	0.1%	0.00%
85	CCFBank National Association	1	$311K	0.1%	0.00%
86	Five Star Bank	1	$300K	0.1%	0.00%
87	Glacier Bank	1	$280K	0.1%	0.00%
88	American National Bank and Trust	1	$268K	0.1%	0.00%
89	Third Coast Bank	1	$257K	0.1%	0.00%
90	PromiseOne Bank	1	$248K	0.1%	49.74%
91	Hancock Whitney Bank	2	$240K	0.1%	25.41%
92	Commonwealth Business Bank	1	$215K	0.1%	0.00%
93	Independence Bank	1	$150K	0.1%	0.00%
94	Sunflower Bank National Association	1	$150K	0.1%	0.00%
95	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$150K	0.1%	0.00%
96	Carver State Bank	1	$134K	0.0%	0.00%
97	Optus Bank	1	$131K	0.0%	0.00%
98	Texas First Bank	1	$101K	0.0%	0.00%
99	City Bank	2	$100K	0.0%	0.00%
100	Citizens 1st Bank	1	$73K	0.0%	0.00%
101	Shoreham Bank	1	$50K	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	78	$72.5M	26.8%
2	Health care & social assistance	54	$31.1M	11.5%
3	Retail trade	53	$29.6M	11.0%
4	Construction	39	$19.4M	7.2%
5	Arts, entertainment & recreation	31	$18.9M	7.0%
6	Retail trade	20	$18.4M	6.8%
7	Other services	42	$13.3M	4.9%
8	Manufacturing	15	$12.8M	4.7%
9	Wholesale trade	19	$9.8M	3.6%
10	Professional & technical services	23	$8.8M	3.3%
11	Agriculture, forestry & fishing	2	$6.8M	2.5%
12	Real estate & leasing	11	$6.0M	2.2%
13	Finance & insurance	11	$5.2M	1.9%
14	Administrative & waste services	17	$4.7M	1.7%
15	Transportation & warehousing	11	$2.9M	1.1%
16	Manufacturing	7	$2.8M	1.0%
17	Utilities	2	$2.5M	0.9%
18	Mining & extraction	4	$2.0M	0.8%
19	Information	4	$1.2M	0.5%
20	Educational services	4	$770K	0.3%
21	Transportation & warehousing	2	$408K	0.2%
22	Management of companies	1	$246K	0.1%
23	Manufacturing	2	$222K	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.