States › Texas › Nacogdoches County
County50th of 227 in Texas by approvalsFIPS 48347
SBA loans in Nacogdoches 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 Nacogdoches County, Texas, received 50 SBA loan approvals worth $35.9M in FY2021 to FY2025 (49 7(a), 1 504).
That is 37.9 approvals per 1,000 business establishments (1,319 establishments in 2023), close to the Texas figure of 37.2 and close to the national 41.0.
It ranks 50th of 227 Texas counties with approvals. In FY2025 there were 10, down 17% on FY2024.
17 lenders had approvals here; the most active were Commercial Bank of Texas N.A. (20), First Financial Bank (6) and Live Oak Banking Company (4). The most common industry was poultry and egg production.
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 Nacogdoches County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Commercial Bank of Texas N.A.Nacogdoches, TX | 20 | $9.0M | 40.0% | |
| 2 | First Financial BankEl Dorado, AR | 6 | $8.4M | 12.0% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 4 | $4.9M | 8.0% | |
| 4 | The Huntington National BankColumbus, OH | 4 | $2.0M | 8.0% | |
| 5 | The Bancorp Bank National AssociationSioux Falls, SD | 2 | — | 4.0% | |
| 6 | Byline BankChicago, IL | 2 | — | 4.0% | |
| 7 | Harvest Small Business Finance, LLCLaguna Hills, CA | 2 | — | 4.0% | |
| 8 | Southwestern National BankHouston, TX | 1 | — | 2.0% | |
| 9 | b1BANKBaton Rouge, LA | 1 | — | 2.0% | |
| 10 | Greater East Texas Certified Development CompanyTyler, TX · CDC | 1 | — | 2.0% | |
| 11 | One World BankDallas, TX | 1 | — | 2.0% | |
| 12 | Lone Star BankHouston, TX | 1 | — | 2.0% | |
| 13 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 2.0% | |
| 14 | JPMorgan Chase Bank, National AssociationColumbus, OH | 1 | — | 2.0% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 1 | — | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Poultry and Egg ProductionNAICS 1123 | 7 | 14.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 14.0% | |
| 3 | Technical and Trade SchoolsNAICS 6115 | 4 | 8.0% | |
| 4 | Gasoline StationsNAICS 4471 | 3 | 6.0% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 3 | 6.0% | |
| 6 | Warehouse Clubs, Supercenters, and Other General Merchandise RetailersNAICS 4552 | 3 | 6.0% | |
| 7 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 4.0% | |
| 8 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 2 | 4.0% | |
| 9 | Electrical Equipment ManufacturingNAICS 3353 | 2 | 4.0% | |
| 10 | Gasoline StationsNAICS 4571 | 1 | 2.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 12 | 24.0% | |
| 2 | Accommodation and Food Services | 8 | 16.0% | |
| 3 | Agriculture, Forestry, Fishing and Hunting | 7 | 14.0% | |
| 4 | Educational Services | 4 | 8.0% | |
| 5 | Professional, Scientific, and Technical Services | 4 | 8.0% | |
| 6 | Manufacturing | 4 | 8.0% | |
| 7 | Other Services (except Public Administration) | 4 | 8.0% | |
| 8 | Construction | 3 | 6.0% |
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* | 9 | $7.5M | $150K | 0 | — | 9 | 49 |
| FY2025 | 10 | $9.1M | $893K | 0 | — | 10 | 124 |
| FY2024 | 12 | $9.6M | $742K | 0 | — | 12 | 98 |
| FY2023 | 6 | $2.3M | $297K | 0 | — | 6 | 67 |
| FY2022 | 11 | $9.3M | $290K | 1 | — | 12 | 135 |
| FY2021 | 10 | $5.2M | $407K | 0 | — | 10 | 101 |
| FY2020 | 8 | $9.0M | $972K | 0 | — | 8 | 68 |
| FY2019 | 3 | $1.8M | $375K | 0 | — | 3 | 16 |
| FY2018 | 13 | $7.5M | $275K | 0 | — | 13 | 77 |
| FY2017 | 12 | $6.8M | $135K | 0 | — | 12 | 55 |
| FY2016 | 8 | $3.4M | $251K | 2 | — | 10 | 58 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 46 approvals.
Against Texas and the country
| FY2021–FY2025 | Nacogdoches County | Texas | United States |
|---|---|---|---|
| Approvals | 50 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 37.9 | 37.2 | 41.0 |
| Median 7(a) approval | $488K | $320K | $190K |
| Median 504 approval | — | $974K | $657K |
| Average approval | $719K | $770K | $573K |
| 504 share of approvals | 2.0% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 10.5 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less10.0%5
- $50,001 to $150,00016.0%8
- $150,001 to $350,00016.0%8
- $350,001 to $1 million36.0%18
- $1 million to $2 million14.0%7
- Over $2 million8.0%4
Age of the businesses
- Existing, more than 2 years old40.0%20
- New business, 2 years or less28.0%14
- Startup, loan funds will open the business22.0%11
- Change of ownership10.0%5
Questions and answers
Which lenders make the most SBA loans in Nacogdoches County?
By approvals in FY2021 to FY2025: Commercial Bank of Texas N.A. (20), First Financial Bank (6), Live Oak Banking Company (4), The Huntington National Bank (4), The Bancorp Bank National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Nacogdoches County?
The median 7(a) approval was $488K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Nacogdoches County?
Poultry and Egg Production (7); Restaurants and Other Eating Places (7); Technical and Trade Schools (4); Gasoline Stations (3); Building Equipment Contractors (3).
Is SBA lending in Nacogdoches County rising?
Approvals in the three latest complete fiscal years total 28, against 30 in the three before: broadly level (-7%).
How does Nacogdoches County compare with the rest of Texas?
37.9 approvals per 1,000 establishments against 37.2 statewide, and 50 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