County55th of 227 in Texas by approvalsFIPS 48265
SBA loans in Kerr 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 Kerr County, Texas, received 36 SBA loan approvals worth $16.4M in FY2021 to FY2025 (31 7(a), 5 504).
That is 22.8 approvals per 1,000 business establishments (1,581 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 55th of 227 Texas counties with approvals. In FY2025 there were 12.
19 lenders had approvals here; the most active were Capital Certified Development Corporation (4), Security State Bank and Trust (3) and The Huntington National Bank (3). The most common industry was residential building construction.
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 Kerr County
By number of approvals to businesses in the county, FY2021–FY2025; 19 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Capital Certified Development CorporationAustin, TX · CDC | 4 | $2.2M | 11.1% | |
| 2 | Security State Bank and TrustFredericksburg, TX | 3 | $3.1M | 8.3% | |
| 3 | The Huntington National BankColumbus, OH | 3 | $1.6M | 8.3% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $530K | 8.3% | |
| 5 | Fifth Third BankCincinnati, OH | 3 | $320K | 8.3% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 2 | — | 5.6% | |
| 7 | Jefferson BankSan Antonio, TX | 2 | — | 5.6% | |
| 8 | Northeast BankLewiston, ME | 2 | — | 5.6% | |
| 9 | Lincoln Savings BankReinbeck, IA | 2 | — | 5.6% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 2 | — | 5.6% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 5.6% | |
| 12 | Frost BankSan Antonio, TX | 1 | — | 2.8% | |
| 13 | Hancock Whitney BankGulfport, MS | 1 | — | 2.8% | |
| 14 | United Community BankGreenville, SC | 1 | — | 2.8% | |
| 15 | Alliance Lending CorporationFort Worth, TX · CDC | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 4 | 11.1% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 8.3% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 5.6% | |
| 4 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 5.6% | |
| 5 | Beer, Wine, and Liquor StoresNAICS 4453 | 2 | 5.6% | |
| 6 | Business Schools and Computer and Management TrainingNAICS 6114 | 2 | 5.6% | |
| 7 | Amusement Parks and ArcadesNAICS 7131 | 1 | 2.8% | |
| 8 | Traveler AccommodationNAICS 7211 | 1 | 2.8% | |
| 9 | Support Activities for Animal ProductionNAICS 1152 | 1 | 2.8% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 1 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 7 | 19.4% | |
| 2 | Construction | 5 | 13.9% | |
| 3 | Accommodation and Food Services | 3 | 8.3% | |
| 4 | Health Care and Social Assistance | 3 | 8.3% | |
| 5 | Other Services (except Public Administration) | 3 | 8.3% | |
| 6 | Arts, Entertainment, and Recreation | 2 | 5.6% | |
| 7 | Professional, Scientific, and Technical Services | 2 | 5.6% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 2 | 5.6% |
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* | 0 | — | — | 0 | — | 0 | 0 |
| FY2025 | 10 | $4.5M | $125K | 2 | — | 12 | 61 |
| FY2024 | 5 | $1.2M | $103K | 0 | — | 5 | 16 |
| FY2023 | 5 | $4.5M | $965K | 0 | — | 5 | 70 |
| FY2022 | 7 | $1.4M | $125K | 2 | — | 9 | 55 |
| FY2021 | 4 | $1.8M | $100K | 1 | — | 5 | 21 |
| FY2020 | 5 | $3.3M | $290K | 0 | — | 5 | 58 |
| FY2019 | 3 | $508K | $150K | 0 | — | 3 | 7 |
| FY2018 | 7 | $1.5M | $75K | 2 | — | 9 | 56 |
| FY2017 | 11 | $3.0M | $138K | 1 | — | 12 | 137 |
| FY2016 | 8 | $1.2M | $110K | 0 | — | 8 | 35 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 37 approvals.
Against Texas and the country
| FY2021–FY2025 | Kerr County | Texas | United States |
|---|---|---|---|
| Approvals | 36 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 22.8 | 37.2 | 41.0 |
| Median 7(a) approval | $125K | $320K | $190K |
| Median 504 approval | $479K | $974K | $657K |
| Average approval | $455K | $770K | $573K |
| 504 share of approvals | 13.9% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 6.2 | 12.6 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less16.7%6
- $50,001 to $150,00030.6%11
- $150,001 to $350,00011.1%4
- $350,001 to $1 million25.0%9
- $1 million to $2 million13.9%5
- Over $2 million2.8%1
Age of the businesses
- Existing, more than 2 years old55.6%20
- New business, 2 years or less19.4%7
- Startup, loan funds will open the business19.4%7
- Change of ownership5.6%2
Questions and answers
Which lenders make the most SBA loans in Kerr County?
By approvals in FY2021 to FY2025: Capital Certified Development Corporation (4), Security State Bank and Trust (3), The Huntington National Bank (3), Wells Fargo Bank National Association (3), Fifth Third Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Kerr County?
The median 7(a) approval was $125K and the median 504 approval $479K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Kerr County?
Residential Building Construction (4); Automotive Repair and Maintenance (3); Restaurants and Other Eating Places (2); Other Professional, Scientific, and Technical Services (2); Beer, Wine, and Liquor Stores (2).
Is SBA lending in Kerr County rising?
Approvals in the three latest complete fiscal years total 22, against 19 in the three before: rising (+16%).
How does Kerr County compare with the rest of Texas?
22.8 approvals per 1,000 establishments against 37.2 statewide, and 36 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