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County56th of 227 in Texas by approvalsFIPS 48171
SBA loans in Gillespie 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 Gillespie County, Texas, received 35 SBA loan approvals worth $23.2M in FY2021 to FY2025 (32 7(a), 3 504).
That is 29.1 approvals per 1,000 business establishments (1,202 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 56th of 227 Texas counties with approvals. In FY2025 there were 7.
18 lenders had approvals here; the most active were Security State Bank and Trust (15), Fifth Third Bank (2) and Frost Bank (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 Gillespie County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Security State Bank and TrustFredericksburg, TX | 15 | $10.9M | 42.9% | |
| 2 | Fifth Third BankCincinnati, OH | 2 | — | 5.7% | |
| 3 | Frost BankSan Antonio, TX | 2 | — | 5.7% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 2 | — | 5.7% | |
| 5 | Capital Certified Development CorporationAustin, TX · CDC | 1 | — | 2.9% | |
| 6 | Alliance Lending CorporationFort Worth, TX · CDC | 1 | — | 2.9% | |
| 7 | United Community BankGreenville, SC | 1 | — | 2.9% | |
| 8 | Citizens BankElizabethton, TN | 1 | — | 2.9% | |
| 9 | Peoples BankMendenhall, MS | 1 | — | 2.9% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 1 | — | 2.9% | |
| 11 | Banesco USAMiami, FL | 1 | — | 2.9% | |
| 12 | North Texas Certified Development CorporationPlano, TX · CDC | 1 | — | 2.9% | |
| 13 | Prosperity BankEl Campo, TX | 1 | — | 2.9% | |
| 14 | Texas Champion BankCorpus Christi, TX | 1 | — | 2.9% | |
| 15 | Stellar BankHouston, TX | 1 | — | 2.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 5 | 14.3% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 14.3% | |
| 3 | Architectural, Engineering, and Related ServicesNAICS 5413 | 2 | 5.7% | |
| 4 | Beverage ManufacturingNAICS 3121 | 2 | 5.7% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 5.7% | |
| 6 | Personal Care ServicesNAICS 8121 | 2 | 5.7% | |
| 7 | Household and Institutional Furniture and Kitchen Cabinet ManufacturingNAICS 3371 | 1 | 2.9% | |
| 8 | Warehousing and StorageNAICS 4931 | 1 | 2.9% | |
| 9 | Fruit and Tree Nut FarmingNAICS 1113 | 1 | 2.9% | |
| 10 | Support Activities for Water TransportationNAICS 4883 | 1 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 10 | 28.6% | |
| 2 | Manufacturing | 5 | 14.3% | |
| 3 | Professional, Scientific, and Technical Services | 4 | 11.4% | |
| 4 | Other Services (except Public Administration) | 4 | 11.4% | |
| 5 | Retail Trade | 3 | 8.6% | |
| 6 | Transportation and Warehousing | 2 | 5.7% | |
| 7 | Agriculture, Forestry, Fishing and Hunting | 2 | 5.7% | |
| 8 | Health Care and Social Assistance | 2 | 5.7% |
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* | 2 | — | — | 1 | — | 3 | 88 |
| FY2025 | 6 | $2.4M | $408K | 1 | — | 7 | 57 |
| FY2024 | 6 | $3.2M | $500K | 0 | — | 6 | 109 |
| FY2023 | 8 | $5.9M | $238K | 1 | — | 9 | 37 |
| FY2022 | 4 | $2.6M | $404K | 0 | — | 4 | 24 |
| FY2021 | 8 | $3.3M | $327K | 1 | — | 9 | 65 |
| FY2020 | 6 | $2.6M | $350K | 0 | — | 6 | 122 |
| FY2019 | 1 | — | — | 2 | — | 3 | 22 |
| FY2018 | 7 | $5.5M | $170K | 1 | — | 8 | 85 |
| FY2017 | 7 | $1.6M | $25K | 0 | — | 7 | 29 |
| FY2016 | 2 | — | — | 0 | — | 2 | 13 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 26 approvals.
Against Texas and the country
| FY2021–FY2025 | Gillespie County | Texas | United States |
|---|---|---|---|
| Approvals | 35 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 29.1 | 37.2 | 41.0 |
| Median 7(a) approval | $374K | $320K | $190K |
| Median 504 approval | $1.0M | $974K | $657K |
| Average approval | $663K | $770K | $573K |
| 504 share of approvals | 8.6% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 8.3 | 12.6 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,001 to $150,00014.3%5
- $150,001 to $350,00028.6%10
- $350,001 to $1 million42.9%15
- $1 million to $2 million8.6%3
- Over $2 million5.7%2
Age of the businesses
- Existing, more than 2 years old37.1%13
- New business, 2 years or less5.7%2
- Startup, loan funds will open the business40.0%14
- Change of ownership17.1%6
Questions and answers
Which lenders make the most SBA loans in Gillespie County?
By approvals in FY2021 to FY2025: Security State Bank and Trust (15), Fifth Third Bank (2), Frost Bank (2), Live Oak Banking Company (2), Capital Certified Development Corporation (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Gillespie County?
The median 7(a) approval was $374K and the median 504 approval $1.0M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Gillespie County?
Traveler Accommodation (5); Restaurants and Other Eating Places (5); Architectural, Engineering, and Related Services (2); Beverage Manufacturing (2); Automotive Repair and Maintenance (2).
Is SBA lending in Gillespie County rising?
Approvals in the three latest complete fiscal years total 22, against 19 in the three before: rising (+16%).
How does Gillespie County compare with the rest of Texas?
29.1 approvals per 1,000 establishments against 37.2 statewide, and 35 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