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County51st of 227 in Texas by approvalsFIPS 48291
SBA loans in Liberty 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 45 loans to businesses in Liberty County, Texas, in FY2021 to FY2025, worth $42.0M: 39 under 7(a) and 6 under 504.
That is 37.3 approvals per 1,000 business establishments (1,206 establishments in 2023), close to the Texas figure of 37.2 and close to the national 41.0.
It ranks 51st of 227 Texas counties with approvals. In FY2025 there were 7.
29 lenders had approvals here; the most active were Metro City Bank (4), North Texas Certified Development Corporation (3) and First National Bank Texas (3). The most common industry was gasoline stations.
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 Liberty County
By number of approvals to businesses in the county, FY2021–FY2025; 29 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Metro City BankDoraville, GA | 4 | $4.1M | 8.9% | |
| 2 | North Texas Certified Development CorporationPlano, TX · CDC | 3 | $1.7M | 6.7% | |
| 3 | First National Bank TexasKilleen, TX | 3 | $630K | 6.7% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $344K | 6.7% | |
| 5 | JPMorgan Chase Bank, National AssociationColumbus, OH | 3 | $247K | 6.7% | |
| 6 | Wallis BankWallis, TX | 2 | — | 4.4% | |
| 7 | Bank of the OrientSan Francisco, CA | 2 | — | 4.4% | |
| 8 | b1BANKBaton Rouge, LA | 2 | — | 4.4% | |
| 9 | First Liberty BankLiberty, TX | 2 | — | 4.4% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 4.4% | |
| 11 | Home Bank, National AssociationLafayette, LA | 1 | — | 2.2% | |
| 12 | Plains State BankHumble, TX | 1 | — | 2.2% | |
| 13 | Enterprise Bank & TrustClayton, MO | 1 | — | 2.2% | |
| 14 | Southwestern National BankHouston, TX | 1 | — | 2.2% | |
| 15 | FFB BankFresno, CA | 1 | — | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4471 | 6 | 13.3% | |
| 2 | Gasoline StationsNAICS 4571 | 4 | 8.9% | |
| 3 | Offices of PhysiciansNAICS 6211 | 4 | 8.9% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 6.7% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 3 | 6.7% | |
| 6 | General Freight TruckingNAICS 4841 | 3 | 6.7% | |
| 7 | Commercial and Industrial Machinery and Equipment Rental and LeasingNAICS 5324 | 2 | 4.4% | |
| 8 | Child Day Care ServicesNAICS 6244 | 2 | 4.4% | |
| 9 | Other Miscellaneous ManufacturingNAICS 3399 | 2 | 4.4% | |
| 10 | Cattle Ranching and FarmingNAICS 1121 | 1 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 24.4% | |
| 2 | Health Care and Social Assistance | 7 | 15.6% | |
| 3 | Accommodation and Food Services | 4 | 8.9% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 4 | 8.9% | |
| 5 | Manufacturing | 3 | 6.7% | |
| 6 | Transportation and Warehousing | 3 | 6.7% | |
| 7 | Real Estate and Rental and Leasing | 2 | 4.4% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 2 | 4.4% |
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* | 8 | $6.8M | $304K | 0 | — | 8 | 50 |
| FY2025 | 5 | $3.7M | $457K | 2 | — | 7 | 94 |
| FY2024 | 5 | $5.3M | $104K | 0 | — | 5 | 39 |
| FY2023 | 10 | $10.5M | $210K | 1 | — | 11 | 365 |
| FY2022 | 8 | $5.7M | $378K | 2 | — | 10 | 54 |
| FY2021 | 11 | $13.7M | $1.0M | 1 | — | 12 | 94 |
| FY2020 | 7 | $5.4M | $752K | 0 | — | 7 | 59 |
| FY2019 | 4 | $7.1M | $1.8M | 0 | — | 4 | 17 |
| FY2018 | 5 | $5.0M | $233K | 0 | — | 5 | 62 |
| FY2017 | 4 | $2.4M | $533K | 0 | — | 4 | 15 |
| FY2016 | 6 | $7.8M | $1.0M | 0 | — | 6 | 48 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 26 approvals.
Against Texas and the country
| FY2021–FY2025 | Liberty County | Texas | United States |
|---|---|---|---|
| Approvals | 45 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 37.3 | 37.2 | 41.0 |
| Median 7(a) approval | $457K | $320K | $190K |
| Median 504 approval | $373K | $974K | $657K |
| Average approval | $933K | $770K | $573K |
| 504 share of approvals | 13.3% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 14.4 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less11.1%5
- $50,001 to $150,00017.8%8
- $150,001 to $350,00017.8%8
- $350,001 to $1 million17.8%8
- $1 million to $2 million17.8%8
- Over $2 million17.8%8
Age of the businesses
- Existing, more than 2 years old55.6%25
- New business, 2 years or less15.6%7
- Startup, loan funds will open the business17.8%8
- Change of ownership11.1%5
Questions and answers
Which lenders make the most SBA loans in Liberty County?
By approvals in FY2021 to FY2025: Metro City Bank (4), North Texas Certified Development Corporation (3), First National Bank Texas (3), Wells Fargo Bank National Association (3), JPMorgan Chase Bank, National Association (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Liberty County?
The median 7(a) approval was $457K and the median 504 approval $373K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Liberty County?
Gasoline Stations (6); Gasoline Stations (4); Offices of Physicians (4); Restaurants and Other Eating Places (3); Services to Buildings and Dwellings (3).
Is SBA lending in Liberty County rising?
Approvals in the three latest complete fiscal years total 23, against 29 in the three before: falling (-21%).
How does Liberty County compare with the rest of Texas?
37.3 approvals per 1,000 establishments against 37.2 statewide, and 45 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