County18th of 227 in Texas by approvalsFIPS 48091
SBA loans in Comal 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 Comal County, Texas, received 233 SBA loan approvals worth $141M in FY2021 to FY2025 (215 7(a), 18 504).
That is 47.1 approvals per 1,000 business establishments (4,951 establishments in 2023), above the Texas figure of 37.2 and close to the national 41.0.
It ranks 18th of 227 Texas counties with approvals. In FY2025 there were 77, up 54% on FY2024.
68 lenders had approvals here; the most active were Security State Bank and Trust (22), The Huntington National Bank (16) and Newtek Bank, National Association (12). The most common industry was automotive repair and maintenance.
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 Comal County
By number of approvals to businesses in the county, FY2021–FY2025; 68 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Security State Bank and TrustFredericksburg, TX | 22 | $14.9M | 9.4% | |
| 2 | The Huntington National BankColumbus, OH | 16 | $5.6M | 6.9% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 12 | $3.1M | 5.2% | |
| 4 | Northeast BankLewiston, ME | 12 | $1.7M | 5.2% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 10 | $382K | 4.3% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 9 | $15.9M | 3.9% | |
| 7 | Bank of America, National AssociationCharlotte, NC | 9 | $4.4M | 3.9% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 9 | $1.8M | 3.9% | |
| 9 | United Midwest Savings Bank National AssociationDe Graff, OH | 8 | $1.3M | 3.4% | |
| 10 | Capital Certified Development CorporationAustin, TX · CDC | 7 | $11.8M | 3.0% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $749K | 3.0% | |
| 12 | Zions Bank, A Division ofSalt Lake City, UT | 6 | $684K | 2.6% | |
| 13 | North Texas Certified Development CorporationPlano, TX · CDC | 5 | $3.3M | 2.1% | |
| 14 | Broadway National BankSan Antonio, TX | 5 | $2.8M | 2.1% | |
| 15 | JPMorgan Chase Bank, National AssociationColumbus, OH | 5 | $1.8M | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 5.2% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 12 | 5.2% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 11 | 4.7% | |
| 4 | Personal Care ServicesNAICS 8121 | 11 | 4.7% | |
| 5 | Remediation and Other Waste Management ServicesNAICS 5629 | 10 | 4.3% | |
| 6 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 9 | 3.9% | |
| 7 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 8 | 3.4% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 8 | 3.4% | |
| 9 | Child Day Care ServicesNAICS 6244 | 7 | 3.0% | |
| 10 | Residential Building ConstructionNAICS 2361 | 7 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 31 | 13.3% | |
| 2 | Other Services (except Public Administration) | 31 | 13.3% | |
| 3 | Construction | 28 | 12.0% | |
| 4 | Retail Trade | 25 | 10.7% | |
| 5 | Accommodation and Food Services | 21 | 9.0% | |
| 6 | Professional, Scientific, and Technical Services | 19 | 8.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 19 | 8.2% | |
| 8 | Wholesale Trade | 12 | 5.2% |
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* | 46 | $21.7M | $200K | 2 | — | 48 | 528 |
| FY2025 | 73 | $34.6M | $150K | 4 | $4.5M | 77 | 590 |
| FY2024 | 44 | $18.0M | $150K | 6 | $6.4M | 50 | 392 |
| FY2023 | 31 | $19.5M | $250K | 2 | — | 33 | 357 |
| FY2022 | 26 | $18.6M | $279K | 5 | $3.8M | 31 | 448 |
| FY2021 | 41 | $26.4M | $500K | 1 | — | 42 | 700 |
| FY2020 | 16 | $5.7M | $205K | 5 | $5.7M | 21 | 185 |
| FY2019 | 25 | $13.1M | $350K | 2 | — | 27 | 235 |
| FY2018 | 25 | $17.6M | $250K | 1 | — | 26 | 252 |
| FY2017 | 39 | $25.9M | $200K | 4 | $2.7M | 43 | 483 |
| FY2016 | 46 | $27.1M | $293K | 6 | $5.8M | 52 | 525 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 169 approvals.
Against Texas and the country
| FY2021–FY2025 | Comal County | Texas | United States |
|---|---|---|---|
| Approvals | 233 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 47.1 | 37.2 | 41.0 |
| Median 7(a) approval | $250K | $320K | $190K |
| Median 504 approval | $822K | $974K | $657K |
| Average approval | $604K | $770K | $573K |
| 504 share of approvals | 7.7% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 10.7 | 12.6 | 10.5 |
| Share of state approvals | 0.9% | 100.0% | — |
Approval sizes
- $50,000 or less14.2%33
- $50,001 to $150,00024.9%58
- $150,001 to $350,00021.5%50
- $350,001 to $1 million23.2%54
- $1 million to $2 million9.0%21
- Over $2 million7.3%17
Age of the businesses
- Existing, more than 2 years old46.8%109
- New business, 2 years or less14.6%34
- Startup, loan funds will open the business27.0%63
- Change of ownership11.6%27
Questions and answers
Which lenders make the most SBA loans in Comal County?
By approvals in FY2021 to FY2025: Security State Bank and Trust (22), The Huntington National Bank (16), Newtek Bank, National Association (12), Northeast Bank (12), Wells Fargo Bank National Association (10). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Comal County?
The median 7(a) approval was $250K and the median 504 approval $822K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Comal County?
Automotive Repair and Maintenance (12); Restaurants and Other Eating Places (12); Offices of Other Health Practitioners (11); Personal Care Services (11); Remediation and Other Waste Management Services (10).
Is SBA lending in Comal County rising?
Approvals in the three latest complete fiscal years total 160, against 94 in the three before: rising (+70%).
How does Comal County compare with the rest of Texas?
47.1 approvals per 1,000 establishments against 37.2 statewide, and 233 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