SBA 7(a) lenders in Upshur, TX
Approvals in SBA fiscal years 2010–2026. Source data as of 2026-06-30.
Lenders
21 institutions have SBA 7(a) loans on record in Upshur, together $29.7M across 33 loans. Byline Bank is the largest, with 14% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Byline Bank | 2 | $4.3M | 14.3% | 0.00% |
| 2 | Metro City Bank | 3 | $4.2M | 14.1% | 0.00% |
| 3 | First Service Bank | 3 | $3.4M | 11.3% | 0.00% |
| 4 | The Huntington National Bank | 6 | $3.0M | 10.0% | 0.00% |
| 5 | Peoples Bank | 1 | $2.7M | 9.2% | 0.00% |
| 6 | Commonwealth Business Bank | 1 | $2.1M | 7.2% | 0.00% |
| 7 | PromiseOne Bank | 1 | $2.0M | 6.9% | 0.00% |
| 8 | BankUnited, National Association | 2 | $1.8M | 6.1% | 0.00% |
| 9 | Celtic Bank Corporation | 1 | $1.6M | 5.3% | 0.00% |
| 10 | Live Oak Banking Company | 1 | $700K | 2.4% | 0.00% |
| 11 | Bank Five Nine | 1 | $698K | 2.3% | 0.00% |
| 12 | VelocitySBA, LLC | 1 | $686K | 2.3% | 0.00% |
| 13 | FFB Bank | 2 | $559K | 1.9% | 0.00% |
| 14 | First United Bank and Trust Company | 1 | $429K | 1.4% | 0.00% |
| 15 | First-Citizens Bank & Trust Company | 1 | $391K | 1.3% | 0.00% |
| 16 | JPMorgan Chase Bank, National Association | 1 | $350K | 1.2% | 0.00% |
| 17 | PlainsCapital Bank | 1 | $303K | 1.0% | 0.00% |
| 18 | Lendistry SBLC, LLC | 1 | $300K | 1.0% | 0.00% |
| 19 | Stone Bank | 1 | $150K | 0.5% | 0.00% |
| 20 | PNC Bank, National Association | 1 | $25K | 0.1% | 0.00% |
| 21 | First Financial Bank | 1 | $24K | 0.1% | 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 | Retail trade | 5 | $9.0M | 30.4% |
| 2 | Retail trade | 7 | $8.2M | 27.6% |
| 3 | Agriculture, forestry & fishing | 4 | $3.4M | 11.4% |
| 4 | Other services | 2 | $2.7M | 9.2% |
| 5 | Manufacturing | 3 | $1.8M | 6.1% |
| 6 | Construction | 3 | $1.6M | 5.3% |
| 7 | Health care & social assistance | 3 | $935K | 3.1% |
| 8 | Real estate & leasing | 1 | $700K | 2.4% |
| 9 | Information | 2 | $559K | 1.9% |
| 10 | Transportation & warehousing | 2 | $423K | 1.4% |
| 11 | Professional & technical services | 1 | $350K | 1.2% |
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.