County54th of 227 in Texas by approvalsFIPS 48037
SBA loans in Bowie 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.
Businesses in Bowie County, Texas, received 36 SBA loan approvals worth $41.4M in FY2021 to FY2025 (32 7(a), 4 504).
That is 15.8 approvals per 1,000 business establishments (2,273 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 54th of 227 Texas counties with approvals. In FY2025 there were 10.
23 lenders had approvals here; the most active were Glacier Bank (4), The Huntington National Bank (4) and Greater East Texas Certified Development Company (2). The most common industry was traveler accommodation.
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 Bowie County
By number of approvals to businesses in the county, FY2021–FY2025; 23 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Glacier BankKalispell, MT | 4 | $3.3M | 11.1% | |
| 2 | The Huntington National BankColumbus, OH | 4 | $2.5M | 11.1% | |
| 3 | Greater East Texas Certified Development CompanyTyler, TX · CDC | 2 | — | 5.6% | |
| 4 | Metro City BankDoraville, GA | 2 | — | 5.6% | |
| 5 | Midwest Regional BankFestus, MO | 2 | — | 5.6% | |
| 6 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 5.6% | |
| 7 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 5.6% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 2 | — | 5.6% | |
| 9 | Gibsland Bank & Trust CompanyGibsland, LA | 1 | — | 2.8% | |
| 10 | First Western SBLC, LLCDallas, TX | 1 | — | 2.8% | |
| 11 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 2.8% | |
| 12 | Capital Certified Development CorporationAustin, TX · CDC | 1 | — | 2.8% | |
| 13 | New Millennium BankFort Lee, NJ | 1 | — | 2.8% | |
| 14 | Open BankLos Angeles, CA | 1 | — | 2.8% | |
| 15 | First BankSouthern Pines, NC | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 5 | 13.9% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 5.6% | |
| 3 | Grocery StoresNAICS 4451 | 2 | 5.6% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 2 | 5.6% | |
| 5 | Other Schools and InstructionNAICS 6116 | 2 | 5.6% | |
| 6 | Residential Building ConstructionNAICS 2361 | 2 | 5.6% | |
| 7 | Soap, Cleaning Compound, and Toilet Preparation ManufacturingNAICS 3256 | 1 | 2.8% | |
| 8 | Drugs and Druggists' Sundries Merchant WholesalersNAICS 4242 | 1 | 2.8% | |
| 9 | General Freight TruckingNAICS 4841 | 1 | 2.8% | |
| 10 | Gasoline StationsNAICS 4571 | 1 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 6 | 16.7% | |
| 2 | Construction | 6 | 16.7% | |
| 3 | Other Services (except Public Administration) | 4 | 11.1% | |
| 4 | Retail Trade | 4 | 11.1% | |
| 5 | Manufacturing | 3 | 8.3% | |
| 6 | Health Care and Social Assistance | 3 | 8.3% | |
| 7 | Educational Services | 3 | 8.3% | |
| 8 | Transportation and Warehousing | 2 | 5.6% |
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* | 3 | $5.9M | $1.5M | 0 | — | 3 | 21 |
| FY2025 | 10 | $7.0M | $150K | 0 | — | 10 | 78 |
| FY2024 | 5 | $3.7M | $650K | 1 | — | 6 | 180 |
| FY2023 | 8 | $7.7M | $592K | 1 | — | 9 | 371 |
| FY2022 | 4 | $5.6M | $843K | 0 | — | 4 | 41 |
| FY2021 | 5 | $7.7M | $1.1M | 2 | — | 7 | 75 |
| FY2020 | 1 | — | — | 0 | — | 1 | 5 |
| FY2019 | 9 | $4.9M | $605K | 0 | — | 9 | 129 |
| FY2018 | 12 | $4.3M | $313K | 1 | — | 13 | 168 |
| FY2017 | 8 | $4.9M | $390K | 1 | — | 9 | 100 |
| FY2016 | 9 | $4.1M | $178K | 0 | — | 9 | 106 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 41 approvals.
Against Texas and the country
| FY2021–FY2025 | Bowie County | Texas | United States |
|---|---|---|---|
| Approvals | 36 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 15.8 | 37.2 | 41.0 |
| Median 7(a) approval | $552K | $320K | $190K |
| Median 504 approval | $1.9M | $974K | $657K |
| Average approval | $1.2M | $770K | $573K |
| 504 share of approvals | 11.1% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 20.7 | 12.6 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less8.3%3
- $50,001 to $150,00013.9%5
- $150,001 to $350,0008.3%3
- $350,001 to $1 million36.1%13
- $1 million to $2 million16.7%6
- Over $2 million16.7%6
Age of the businesses
- Existing, more than 2 years old50.0%18
- New business, 2 years or less19.4%7
- Startup, loan funds will open the business22.2%8
- Change of ownership8.3%3
Questions and answers
Which lenders make the most SBA loans in Bowie County?
By approvals in FY2021 to FY2025: Glacier Bank (4), The Huntington National Bank (4), Greater East Texas Certified Development Company (2), Metro City Bank (2), Midwest Regional Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bowie County?
The median 7(a) approval was $552K and the median 504 approval $1.9M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Bowie County?
Traveler Accommodation (5); Automotive Repair and Maintenance (2); Grocery Stores (2); Building Equipment Contractors (2); Other Schools and Instruction (2).
Is SBA lending in Bowie County rising?
Approvals in the three latest complete fiscal years total 25, against 12 in the three before: rising (+108%).
How does Bowie County compare with the rest of Texas?
15.8 approvals per 1,000 establishments against 37.2 statewide, and 36 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