States › Texas › Kendall County
County41st of 227 in Texas by approvalsFIPS 48259
SBA loans in Kendall 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 64 loans to businesses in Kendall County, Texas, in FY2021 to FY2025, worth $56.2M: 59 under 7(a) and 5 under 504.
That is 38.8 approvals per 1,000 business establishments (1,651 establishments in 2023), close to the Texas figure of 37.2 and close to the national 41.0.
It ranks 41st of 227 Texas counties with approvals. In FY2025 there were 15, about level with FY2024.
33 lenders had approvals here; the most active were Security State Bank and Trust (6), The Huntington National Bank (6) and Wells Fargo Bank National Association (6). 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 Kendall County
By number of approvals to businesses in the county, FY2021–FY2025; 33 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Security State Bank and TrustFredericksburg, TX | 6 | $8.3M | 9.4% | |
| 2 | The Huntington National BankColumbus, OH | 6 | $1.1M | 9.4% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $105K | 9.4% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 4 | $7.6M | 6.3% | |
| 5 | Northeast BankLewiston, ME | 4 | $468K | 6.3% | |
| 6 | JPMorgan Chase Bank, National AssociationColumbus, OH | 3 | $700K | 4.7% | |
| 7 | PNC Bank, National AssociationWilmington, DE | 2 | — | 3.1% | |
| 8 | American Momentum BankCollege Station, TX | 2 | — | 3.1% | |
| 9 | Capital Certified Development CorporationAustin, TX · CDC | 2 | — | 3.1% | |
| 10 | Wallis BankWallis, TX | 2 | — | 3.1% | |
| 11 | First United Bank and Trust CompanyDurant, OK | 2 | — | 3.1% | |
| 12 | Frost BankSan Antonio, TX | 2 | — | 3.1% | |
| 13 | Jefferson BankSan Antonio, TX | 2 | — | 3.1% | |
| 14 | Broadway National BankSan Antonio, TX | 2 | — | 3.1% | |
| 15 | Texas Certified Development Company, Inc.Austin, TX · CDC | 1 | — | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 7.8% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 4 | 6.3% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 6.3% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 3 | 4.7% | |
| 5 | Building Finishing ContractorsNAICS 2383 | 3 | 4.7% | |
| 6 | Other Heavy and Civil Engineering ConstructionNAICS 2379 | 2 | 3.1% | |
| 7 | Child Day Care ServicesNAICS 6244 | 2 | 3.1% | |
| 8 | Offices of Real Estate Agents and BrokersNAICS 5312 | 2 | 3.1% | |
| 9 | Personal and Household Goods Repair and MaintenanceNAICS 8114 | 2 | 3.1% | |
| 10 | Personal Care ServicesNAICS 8121 | 2 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 12 | 18.8% | |
| 2 | Health Care and Social Assistance | 9 | 14.1% | |
| 3 | Other Services (except Public Administration) | 8 | 12.5% | |
| 4 | Accommodation and Food Services | 7 | 10.9% | |
| 5 | Retail Trade | 6 | 9.4% | |
| 6 | Manufacturing | 4 | 6.3% | |
| 7 | Arts, Entertainment, and Recreation | 4 | 6.3% | |
| 8 | Professional, Scientific, and Technical Services | 3 | 4.7% |
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* | 13 | $6.4M | $319K | 0 | — | 13 | 104 |
| FY2025 | 13 | $10.1M | $150K | 2 | — | 15 | 166 |
| FY2024 | 14 | $9.7M | $255K | 0 | — | 14 | 166 |
| FY2023 | 11 | $4.9M | $138K | 0 | — | 11 | 294 |
| FY2022 | 12 | $9.6M | $409K | 1 | — | 13 | 274 |
| FY2021 | 9 | $11.5M | $1.1M | 2 | — | 11 | 492 |
| FY2020 | 4 | $2.0M | $158K | 0 | — | 4 | 30 |
| FY2019 | 8 | $10.8M | $1.0M | 2 | — | 10 | 71 |
| FY2018 | 7 | $2.5M | $250K | 0 | — | 7 | 66 |
| FY2017 | 15 | $8.2M | $368K | 0 | — | 15 | 82 |
| FY2016 | 16 | $8.2M | $92K | 0 | — | 16 | 216 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 52 approvals.
Against Texas and the country
| FY2021–FY2025 | Kendall County | Texas | United States |
|---|---|---|---|
| Approvals | 64 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 38.8 | 37.2 | 41.0 |
| Median 7(a) approval | $350K | $320K | $190K |
| Median 504 approval | $1.7M | $974K | $657K |
| Average approval | $878K | $770K | $573K |
| 504 share of approvals | 7.8% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 21.8 | 12.6 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less18.8%12
- $50,001 to $150,00012.5%8
- $150,001 to $350,00015.6%10
- $350,001 to $1 million23.4%15
- $1 million to $2 million18.8%12
- Over $2 million10.9%7
Age of the businesses
- Existing, more than 2 years old37.5%24
- New business, 2 years or less25.0%16
- Startup, loan funds will open the business26.6%17
- Change of ownership10.9%7
Questions and answers
Which lenders make the most SBA loans in Kendall County?
By approvals in FY2021 to FY2025: Security State Bank and Trust (6), The Huntington National Bank (6), Wells Fargo Bank National Association (6), Live Oak Banking Company (4), Northeast Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Kendall County?
The median 7(a) approval was $350K and the median 504 approval $1.7M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Kendall County?
Restaurants and Other Eating Places (5); Building Equipment Contractors (4); Other Amusement and Recreation Industries (4); Offices of Other Health Practitioners (3); Building Finishing Contractors (3).
Is SBA lending in Kendall County rising?
Approvals in the three latest complete fiscal years total 40, against 28 in the three before: rising (+43%).
How does Kendall County compare with the rest of Texas?
38.8 approvals per 1,000 establishments against 37.2 statewide, and 64 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