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County27th of 227 in Texas by approvalsFIPS 48251
SBA loans in Johnson 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 138 loans to businesses in Johnson County, Texas, in FY2021 to FY2025, worth $107M: 132 under 7(a) and 6 under 504.
That is 39.8 approvals per 1,000 business establishments (3,465 establishments in 2023), close to the Texas figure of 37.2 and close to the national 41.0.
It ranks 27th of 227 Texas counties with approvals. In FY2025 there were 41, up 32% on FY2024.
55 lenders had approvals here; the most active were The Huntington National Bank (11), Northeast Bank (11) and Readycap Lending, LLC (7). 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 Johnson County
By number of approvals to businesses in the county, FY2021–FY2025; 55 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 11 | $4.5M | 8.0% | |
| 2 | Northeast BankLewiston, ME | 11 | $2.8M | 8.0% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $1.5M | 5.1% | |
| 4 | BayFirst National BankSaint Petersburg, FL | 7 | $1.2M | 5.1% | |
| 5 | T Bank, National AssociationDallas, TX | 6 | $14.4M | 4.3% | |
| 6 | Greater East Texas Certified Development CompanyTyler, TX · CDC | 5 | $9.3M | 3.6% | |
| 7 | SouthState Bank, National AssociationWinter Haven, FL | 5 | $6.3M | 3.6% | |
| 8 | Wells Fargo Bank National AssociationSioux Falls, SD | 5 | $3.5M | 3.6% | |
| 9 | United Midwest Savings Bank National AssociationDe Graff, OH | 5 | $710K | 3.6% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 4 | $1.7M | 2.9% | |
| 11 | Frost BankSan Antonio, TX | 3 | $3.8M | 2.2% | |
| 12 | The American National Bank of TexasTerrell, TX | 3 | $3.1M | 2.2% | |
| 13 | Newtek Small Business Finance, Inc.Lake Success, NY | 3 | $2.0M | 2.2% | |
| 14 | First Bank of the LakeOsage Beach, MO | 3 | $1.1M | 2.2% | |
| 15 | SpiritBankTulsa, OK | 3 | $662K | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 15 | 10.9% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 5.1% | |
| 3 | Personal Care ServicesNAICS 8121 | 6 | 4.3% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 3.6% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 5 | 3.6% | |
| 6 | General Freight TruckingNAICS 4841 | 5 | 3.6% | |
| 7 | Automobile DealersNAICS 4411 | 5 | 3.6% | |
| 8 | Other Personal ServicesNAICS 8129 | 4 | 2.9% | |
| 9 | Other Fabricated Metal Product ManufacturingNAICS 3329 | 4 | 2.9% | |
| 10 | Residential Building ConstructionNAICS 2361 | 4 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 32 | 23.2% | |
| 2 | Accommodation and Food Services | 18 | 13.0% | |
| 3 | Construction | 18 | 13.0% | |
| 4 | Manufacturing | 17 | 12.3% | |
| 5 | Other Services (except Public Administration) | 17 | 12.3% | |
| 6 | Health Care and Social Assistance | 10 | 7.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 7 | 5.1% | |
| 8 | Transportation and Warehousing | 6 | 4.3% |
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* | 30 | $11.1M | $145K | 0 | — | 30 | 314 |
| FY2025 | 41 | $28.9M | $250K | 0 | — | 41 | 393 |
| FY2024 | 31 | $14.8M | $250K | 0 | — | 31 | 302 |
| FY2023 | 26 | $16.6M | $244K | 1 | — | 27 | 498 |
| FY2022 | 17 | $18.3M | $1.3M | 3 | $3.2M | 20 | 332 |
| FY2021 | 17 | $18.6M | $675K | 2 | — | 19 | 332 |
| FY2020 | 21 | $8.7M | $310K | 1 | — | 22 | 113 |
| FY2019 | 30 | $19.2M | $220K | 2 | — | 32 | 177 |
| FY2018 | 29 | $14.2M | $192K | 3 | $730K | 32 | 133 |
| FY2017 | 38 | $16.8M | $141K | 1 | — | 39 | 283 |
| FY2016 | 41 | $17.7M | $250K | 2 | — | 43 | 924 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 168 approvals.
Against Texas and the country
| FY2021–FY2025 | Johnson County | Texas | United States |
|---|---|---|---|
| Approvals | 138 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 39.8 | 37.2 | 41.0 |
| Median 7(a) approval | $318K | $320K | $190K |
| Median 504 approval | $1.0M | $974K | $657K |
| Average approval | $777K | $770K | $573K |
| 504 share of approvals | 4.3% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 13.5 | 12.6 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less9.4%13
- $50,001 to $150,00023.9%33
- $150,001 to $350,00019.6%27
- $350,001 to $1 million21.7%30
- $1 million to $2 million17.4%24
- Over $2 million8.0%11
Age of the businesses
- Existing, more than 2 years old50.0%69
- New business, 2 years or less19.6%27
- Startup, loan funds will open the business22.5%31
- Change of ownership8.0%11
Questions and answers
Which lenders make the most SBA loans in Johnson County?
By approvals in FY2021 to FY2025: The Huntington National Bank (11), Northeast Bank (11), Readycap Lending, LLC (7), BayFirst National Bank (7), T Bank, National Association (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Johnson County?
The median 7(a) approval was $318K and the median 504 approval $1.0M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Johnson County?
Restaurants and Other Eating Places (15); Other Specialty Trade Contractors (7); Personal Care Services (6); Automotive Repair and Maintenance (5); Services to Buildings and Dwellings (5).
Is SBA lending in Johnson County rising?
Approvals in the three latest complete fiscal years total 99, against 61 in the three before: rising (+62%).
How does Johnson County compare with the rest of Texas?
39.8 approvals per 1,000 establishments against 37.2 statewide, and 138 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