States › Texas › Potter County
County43rd of 227 in Texas by approvalsFIPS 48375
SBA loans in Potter 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 Potter County, Texas, received 59 SBA loan approvals worth $62.2M in FY2021 to FY2025 (49 7(a), 10 504).
That is 16.9 approvals per 1,000 business establishments (3,489 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 43rd of 227 Texas counties with approvals. In FY2025 there were 17, up 42% on FY2024.
29 lenders had approvals here; the most active were The Huntington National Bank (6), Texas Panhandle Regional Development Corporation (5) and Centennial Bank (5). The most common industry was traveler accommodation.
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 Potter County
By number of approvals to businesses in the county, FY2021–FY2025; 29 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 6 | $2.4M | 10.2% | |
| 2 | Texas Panhandle Regional Development CorporationAmarillo, TX · CDC | 5 | $11.1M | 8.5% | |
| 3 | Centennial BankConway, AR | 5 | $1.1M | 8.5% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 4 | $55K | 6.8% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $4.2M | 5.1% | |
| 6 | Capital Certified Development CorporationAustin, TX · CDC | 3 | $3.5M | 5.1% | |
| 7 | Herring BankAmarillo, TX | 3 | $3.2M | 5.1% | |
| 8 | United Midwest Savings Bank National AssociationDe Graff, OH | 3 | $2.6M | 5.1% | |
| 9 | First United BankDimmitt, TX | 3 | $448K | 5.1% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 2 | — | 3.4% | |
| 11 | Frost BankSan Antonio, TX | 2 | — | 3.4% | |
| 12 | Dream First Bank National AssociationSyracuse, KS | 2 | — | 3.4% | |
| 13 | PeopleFundAustin, TX | 2 | — | 3.4% | |
| 14 | Blue Ridge Bank National AssociationMartinsville, VA | 1 | — | 1.7% | |
| 15 | Golden Bank National AssociationHouston, TX | 1 | — | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 7 | 11.9% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 10.2% | |
| 3 | Specialty Food StoresNAICS 4452 | 4 | 6.8% | |
| 4 | Offices of PhysiciansNAICS 6211 | 2 | 3.4% | |
| 5 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 3.4% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 2 | 3.4% | |
| 7 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 2 | 3.4% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 3.4% | |
| 9 | Other Miscellaneous RetailersNAICS 4599 | 2 | 3.4% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 14 | 23.7% | |
| 2 | Accommodation and Food Services | 13 | 22.0% | |
| 3 | Construction | 6 | 10.2% | |
| 4 | Manufacturing | 5 | 8.5% | |
| 5 | Health Care and Social Assistance | 4 | 6.8% | |
| 6 | Arts, Entertainment, and Recreation | 4 | 6.8% | |
| 7 | Transportation and Warehousing | 3 | 5.1% | |
| 8 | Other Services (except Public Administration) | 3 | 5.1% |
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* | 5 | $5.8M | $528K | 0 | — | 5 | 128 |
| FY2025 | 16 | $5.5M | $96K | 1 | — | 17 | 224 |
| FY2024 | 8 | $4.2M | $139K | 4 | $5.6M | 12 | 134 |
| FY2023 | 7 | $1.4M | $65K | 1 | — | 8 | 82 |
| FY2022 | 6 | $10.5M | $457K | 3 | $4.4M | 9 | 594 |
| FY2021 | 12 | $22.3M | $1.7M | 1 | — | 13 | 377 |
| FY2020 | 3 | $1.1M | $450K | 1 | — | 4 | 32 |
| FY2019 | 5 | $2.0M | $150K | 2 | — | 7 | 160 |
| FY2018 | 7 | $3.3M | $370K | 6 | $8.0M | 13 | 134 |
| FY2017 | 5 | $2.2M | $150K | 1 | — | 6 | 54 |
| FY2016 | 12 | $5.5M | $92K | 0 | — | 12 | 107 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 42 approvals.
Against Texas and the country
| FY2021–FY2025 | Potter County | Texas | United States |
|---|---|---|---|
| Approvals | 59 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 16.9 | 37.2 | 41.0 |
| Median 7(a) approval | $200K | $320K | $190K |
| Median 504 approval | $1.5M | $974K | $657K |
| Average approval | $1.1M | $770K | $573K |
| 504 share of approvals | 16.9% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 23.9 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less18.6%11
- $50,001 to $150,00022.0%13
- $150,001 to $350,00015.3%9
- $350,001 to $1 million13.6%8
- $1 million to $2 million6.8%4
- Over $2 million23.7%14
Age of the businesses
- Existing, more than 2 years old54.2%32
- New business, 2 years or less13.6%8
- Startup, loan funds will open the business22.0%13
- Change of ownership10.2%6
Questions and answers
Which lenders make the most SBA loans in Potter County?
By approvals in FY2021 to FY2025: The Huntington National Bank (6), Texas Panhandle Regional Development Corporation (5), Centennial Bank (5), Wells Fargo Bank National Association (4), Readycap Lending, LLC (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Potter County?
The median 7(a) approval was $200K and the median 504 approval $1.5M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Potter County?
Traveler Accommodation (7); Restaurants and Other Eating Places (6); Specialty Food Stores (4); Offices of Physicians (2); Other Amusement and Recreation Industries (2).
Is SBA lending in Potter County rising?
Approvals in the three latest complete fiscal years total 37, against 26 in the three before: rising (+42%).
How does Potter County compare with the rest of Texas?
16.9 approvals per 1,000 establishments against 37.2 statewide, and 59 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