States › Texas › Chambers County
County49th of 227 in Texas by approvalsFIPS 48071
SBA loans in Chambers 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 52 loans to businesses in Chambers County, Texas, in FY2021 to FY2025, worth $40.1M: 46 under 7(a) and 6 under 504.
That is 64.3 approvals per 1,000 business establishments (809 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 49th of 227 Texas counties with approvals. In FY2025 there were 18, up 50% on FY2024.
29 lenders had approvals here; the most active were The Huntington National Bank (8), Zions Bank, A Division of (8) and Bank Five Nine (3). 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 Chambers County
By number of approvals to businesses in the county, FY2021–FY2025; 29 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 8 | $2.2M | 15.4% | |
| 2 | Zions Bank, A Division ofSalt Lake City, UT | 8 | $1.0M | 15.4% | |
| 3 | Bank Five NineOconomowoc, WI | 3 | $2.5M | 5.8% | |
| 4 | LiftFund, Inc.San Antonio, TX · CDC | 2 | — | 3.8% | |
| 5 | Wallis BankWallis, TX | 2 | — | 3.8% | |
| 6 | SouthState Bank, National AssociationWinter Haven, FL | 2 | — | 3.8% | |
| 7 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 3.8% | |
| 8 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 3.8% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 2 | — | 3.8% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 3.8% | |
| 11 | Midwest Regional BankFestus, MO | 1 | — | 1.9% | |
| 12 | Bank of the OrientSan Francisco, CA | 1 | — | 1.9% | |
| 13 | Frost BankSan Antonio, TX | 1 | — | 1.9% | |
| 14 | The First Security BankBeaver, OK | 1 | — | 1.9% | |
| 15 | First Western SBLC, LLCDallas, TX | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 11 | 21.2% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 7.7% | |
| 3 | Support Activities for MiningNAICS 2131 | 3 | 5.8% | |
| 4 | Offices of Real Estate Agents and BrokersNAICS 5312 | 3 | 5.8% | |
| 5 | Traveler AccommodationNAICS 7211 | 2 | 3.8% | |
| 6 | Commercial and Industrial Machinery and Equipment Rental and LeasingNAICS 5324 | 2 | 3.8% | |
| 7 | Offices of PhysiciansNAICS 6211 | 2 | 3.8% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 2 | 3.8% | |
| 9 | Office Supplies, Stationery, and Gift RetailersNAICS 4594 | 2 | 3.8% | |
| 10 | Warehousing and StorageNAICS 4931 | 1 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 14 | 26.9% | |
| 2 | Retail Trade | 5 | 9.6% | |
| 3 | Real Estate and Rental and Leasing | 5 | 9.6% | |
| 4 | Arts, Entertainment, and Recreation | 5 | 9.6% | |
| 5 | Wholesale Trade | 4 | 7.7% | |
| 6 | Health Care and Social Assistance | 4 | 7.7% | |
| 7 | Construction | 3 | 5.8% | |
| 8 | Mining, Quarrying, and Oil and Gas Extraction | 3 | 5.8% |
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 | $4.2M | $1.2M | 0 | — | 3 | 33 |
| FY2025 | 18 | $5.9M | $112K | 0 | — | 18 | 118 |
| FY2024 | 11 | $12.0M | $150K | 1 | — | 12 | 97 |
| FY2023 | 7 | $6.9M | $414K | 3 | $2.3M | 10 | 228 |
| FY2022 | 5 | $1.3M | $291K | 2 | — | 7 | 55 |
| FY2021 | 5 | $4.7M | $471K | 0 | — | 5 | 35 |
| FY2020 | 6 | $14.6M | $1.7M | 3 | $6.3M | 9 | 75 |
| FY2019 | 5 | $4.5M | $495K | 0 | — | 5 | 32 |
| FY2018 | 8 | $5.8M | $155K | 0 | — | 8 | 51 |
| FY2017 | 9 | $9.3M | $697K | 0 | — | 9 | 129 |
| FY2016 | 5 | $4.7M | $1.0M | 2 | — | 7 | 120 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 38 approvals.
Against Texas and the country
| FY2021–FY2025 | Chambers County | Texas | United States |
|---|---|---|---|
| Approvals | 52 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 64.3 | 37.2 | 41.0 |
| Median 7(a) approval | $173K | $320K | $190K |
| Median 504 approval | $1.1M | $974K | $657K |
| Average approval | $772K | $770K | $573K |
| 504 share of approvals | 11.5% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 10.3 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less19.2%10
- $50,001 to $150,00025.0%13
- $150,001 to $350,00015.4%8
- $350,001 to $1 million17.3%9
- $1 million to $2 million9.6%5
- Over $2 million13.5%7
Age of the businesses
- Existing, more than 2 years old30.8%16
- New business, 2 years or less23.1%12
- Startup, loan funds will open the business38.5%20
- Change of ownership7.7%4
Questions and answers
Which lenders make the most SBA loans in Chambers County?
By approvals in FY2021 to FY2025: The Huntington National Bank (8), Zions Bank, A Division of (8), Bank Five Nine (3), LiftFund, Inc. (2), Wallis Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Chambers County?
The median 7(a) approval was $173K and the median 504 approval $1.1M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Chambers County?
Restaurants and Other Eating Places (11); Other Amusement and Recreation Industries (4); Support Activities for Mining (3); Offices of Real Estate Agents and Brokers (3); Traveler Accommodation (2).
Is SBA lending in Chambers County rising?
Approvals in the three latest complete fiscal years total 40, against 21 in the three before: rising (+90%).
How does Chambers County compare with the rest of Texas?
64.3 approvals per 1,000 establishments against 37.2 statewide, and 52 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