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County40th of 227 in Texas by approvalsFIPS 48021
SBA loans in Bastrop County, Texas
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 66 loans to businesses in Bastrop County, Texas, in FY2021 to FY2025, worth $32.2M: 62 under 7(a) and 4 under 504.
That is 37.1 approvals per 1,000 business establishments (1,778 establishments in 2023), close to the Texas figure of 37.2 and close to the national 41.0.
It ranks 40th of 227 Texas counties with approvals. In FY2025 there were 20, about level with FY2024.
36 lenders had approvals here; the most active were BayFirst National Bank (6), Wells Fargo Bank National Association (5) and Northeast Bank (5). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Bastrop County
By number of approvals to businesses in the county, FY2021–FY2025; 36 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | BayFirst National BankSaint Petersburg, FL | 6 | $824K | 9.1% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 5 | $915K | 7.6% | |
| 3 | Northeast BankLewiston, ME | 5 | $498K | 7.6% | |
| 4 | Capital Certified Development CorporationAustin, TX · CDC | 4 | $2.5M | 6.1% | |
| 5 | Third Coast BankHumble, TX | 4 | $733K | 6.1% | |
| 6 | First Internet Bank of IndianaFishers, IN | 3 | $3.8M | 4.5% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 3 | $525K | 4.5% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $480K | 4.5% | |
| 9 | VelocitySBA, LLCIrving, TX | 2 | — | 3.0% | |
| 10 | Frost BankSan Antonio, TX | 2 | — | 3.0% | |
| 11 | The Huntington National BankColumbus, OH | 2 | — | 3.0% | |
| 12 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 3.0% | |
| 13 | JPMorgan Chase Bank, National AssociationColumbus, OH | 2 | — | 3.0% | |
| 14 | PlainsCapital BankDallas, TX | 1 | — | 1.5% | |
| 15 | United FCUSaint Joseph, MI | 1 | — | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 9.1% | |
| 2 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 4 | 6.1% | |
| 3 | Special Food ServicesNAICS 7223 | 3 | 4.5% | |
| 4 | Household and Institutional Furniture and Kitchen Cabinet ManufacturingNAICS 3371 | 3 | 4.5% | |
| 5 | Apparel, Piece Goods, and Notions Merchant WholesalersNAICS 4243 | 2 | 3.0% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.0% | |
| 7 | Gasoline StationsNAICS 4471 | 2 | 3.0% | |
| 8 | Other Miscellaneous ManufacturingNAICS 3399 | 2 | 3.0% | |
| 9 | Other Personal ServicesNAICS 8129 | 2 | 3.0% | |
| 10 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 2 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 10 | 15.2% | |
| 2 | Retail Trade | 9 | 13.6% | |
| 3 | Construction | 8 | 12.1% | |
| 4 | Manufacturing | 7 | 10.6% | |
| 5 | Wholesale Trade | 5 | 7.6% | |
| 6 | Other Services (except Public Administration) | 5 | 7.6% | |
| 7 | Health Care and Social Assistance | 5 | 7.6% | |
| 8 | Professional, Scientific, and Technical Services | 4 | 6.1% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 7 | $5.9M | $542K | 0 | — | 7 | 71 |
| FY2025 | 19 | $11.7M | $164K | 1 | — | 20 | 156 |
| FY2024 | 17 | $4.1M | $120K | 2 | — | 19 | 88 |
| FY2023 | 9 | $7.1M | $250K | 0 | — | 9 | 98 |
| FY2022 | 9 | $3.7M | $363K | 1 | — | 10 | 52 |
| FY2021 | 8 | $3.1M | $316K | 0 | — | 8 | 29 |
| FY2020 | 6 | $2.9M | $301K | 3 | $2.9M | 9 | 55 |
| FY2019 | 8 | $2.5M | $88K | 5 | $2.6M | 13 | 63 |
| FY2018 | 7 | $6.0M | $200K | 0 | — | 7 | 137 |
| FY2017 | 14 | $11.2M | $223K | 3 | $4.4M | 17 | 174 |
| FY2016 | 8 | $4.2M | $125K | 2 | — | 10 | 133 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 56 approvals.
Against Texas and the country
| FY2021–FY2025 | Bastrop County | Texas | United States |
|---|---|---|---|
| Approvals | 66 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 37.1 | 37.2 | 41.0 |
| Median 7(a) approval | $150K | $320K | $190K |
| Median 504 approval | $563K | $974K | $657K |
| Average approval | $488K | $770K | $573K |
| 504 share of approvals | 6.1% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 6.4 | 12.6 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less9.1%6
- $50,001 to $150,00039.4%26
- $150,001 to $350,00013.6%9
- $350,001 to $1 million25.8%17
- $1 million to $2 million7.6%5
- Over $2 million4.5%3
Age of the businesses
- Existing, more than 2 years old57.6%38
- New business, 2 years or less13.6%9
- Startup, loan funds will open the business19.7%13
- Change of ownership7.6%5
- Not answered1.5%1
Questions and answers
Which lenders make the most SBA loans in Bastrop County?
By approvals in FY2021 to FY2025: BayFirst National Bank (6), Wells Fargo Bank National Association (5), Northeast Bank (5), Capital Certified Development Corporation (4), Third Coast Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bastrop County?
The median 7(a) approval was $150K and the median 504 approval $563K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Bastrop County?
Restaurants and Other Eating Places (6); Foundation, Structure, and Building Exterior Contractors (4); Special Food Services (3); Household and Institutional Furniture and Kitchen Cabinet Manufacturing (3); Apparel, Piece Goods, and Notions Merchant Wholesalers (2).
Is SBA lending in Bastrop County rising?
Approvals in the three latest complete fiscal years total 48, against 27 in the three before: rising (+78%).
How does Bastrop County compare with the rest of Texas?
37.1 approvals per 1,000 establishments against 37.2 statewide, and 66 of the state's 24,935 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error