States › Texas › Randall County
County37th of 227 in Texas by approvalsFIPS 48381
SBA loans in Randall 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 Randall County, Texas, received 80 SBA loan approvals worth $48.1M in FY2021 to FY2025 (69 7(a), 11 504).
That is 27.4 approvals per 1,000 business establishments (2,917 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 37th of 227 Texas counties with approvals. In FY2025 there were 31, up 82% on FY2024.
30 lenders had approvals here; the most active were First United Bank (9), Northeast Bank (8) and Capital Certified Development Corporation (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 Randall County
By number of approvals to businesses in the county, FY2021–FY2025; 30 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | First United BankDimmitt, TX | 9 | $2.4M | 11.3% | |
| 2 | Northeast BankLewiston, ME | 8 | $907K | 10.0% | |
| 3 | Capital Certified Development CorporationAustin, TX · CDC | 6 | $8.8M | 7.5% | |
| 4 | Centennial BankConway, AR | 6 | $1.8M | 7.5% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 6 | $759K | 7.5% | |
| 6 | Newtek Bank, National AssociationMiami, FL | 5 | $1.1M | 6.3% | |
| 7 | The Huntington National BankColumbus, OH | 5 | $811K | 6.3% | |
| 8 | Texas Panhandle Regional Development CorporationAmarillo, TX · CDC | 4 | $7.7M | 5.0% | |
| 9 | Capital Certified Development CorporationAustin, TX | 3 | $497K | 3.8% | |
| 10 | Lendistry SBLC, LLCLos Angeles, CA | 3 | $480K | 3.8% | |
| 11 | Celtic Bank CorporationSalt Lake City, UT | 3 | $167K | 3.8% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 2 | — | 2.5% | |
| 13 | Colony BankFitzgerald, GA | 2 | — | 2.5% | |
| 14 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 2.5% | |
| 15 | 1st Financial Bank USADakota Dunes, SD | 1 | — | 1.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 12.5% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 7.5% | |
| 3 | Personal Care ServicesNAICS 8121 | 5 | 6.3% | |
| 4 | Residential Building ConstructionNAICS 2361 | 4 | 5.0% | |
| 5 | Forging and StampingNAICS 3321 | 3 | 3.8% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 3 | 3.8% | |
| 7 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 3 | 3.8% | |
| 8 | Lessors of Real EstateNAICS 5311 | 2 | 2.5% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 2.5% | |
| 10 | Specialty Food StoresNAICS 4452 | 2 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 13 | 16.3% | |
| 2 | Other Services (except Public Administration) | 11 | 13.8% | |
| 3 | Manufacturing | 10 | 12.5% | |
| 4 | Construction | 10 | 12.5% | |
| 5 | Retail Trade | 9 | 11.3% | |
| 6 | Arts, Entertainment, and Recreation | 7 | 8.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 4 | 5.0% | |
| 8 | Real Estate and Rental and Leasing | 3 | 3.8% |
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* | 11 | $5.8M | $285K | 1 | — | 12 | 204 |
| FY2025 | 28 | $14.7M | $150K | 3 | $9.3M | 31 | 402 |
| FY2024 | 15 | $2.7M | $122K | 2 | — | 17 | 164 |
| FY2023 | 7 | $2.4M | $205K | 2 | — | 9 | 67 |
| FY2022 | 9 | $2.2M | $207K | 3 | $1.2M | 12 | 166 |
| FY2021 | 10 | $9.0M | $400K | 1 | — | 11 | 126 |
| FY2020 | 7 | $2.0M | $150K | 3 | $602K | 10 | 25 |
| FY2019 | 10 | $2.7M | $262K | 3 | $2.8M | 13 | 173 |
| FY2018 | 6 | $2.3M | $193K | 6 | $4.5M | 12 | 118 |
| FY2017 | 10 | $2.1M | $150K | 4 | $1.9M | 14 | 78 |
| FY2016 | 24 | $4.9M | $109K | 3 | $761K | 27 | 169 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 76 approvals.
Against Texas and the country
| FY2021–FY2025 | Randall County | Texas | United States |
|---|---|---|---|
| Approvals | 80 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 27.4 | 37.2 | 41.0 |
| Median 7(a) approval | $185K | $320K | $190K |
| Median 504 approval | $397K | $974K | $657K |
| Average approval | $601K | $770K | $573K |
| 504 share of approvals | 13.8% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 11.6 | 12.6 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less16.3%13
- $50,001 to $150,00023.8%19
- $150,001 to $350,00031.3%25
- $350,001 to $1 million18.8%15
- $1 million to $2 million2.5%2
- Over $2 million7.5%6
Age of the businesses
- Existing, more than 2 years old57.5%46
- New business, 2 years or less10.0%8
- Startup, loan funds will open the business27.5%22
- Change of ownership5.0%4
Questions and answers
Which lenders make the most SBA loans in Randall County?
By approvals in FY2021 to FY2025: First United Bank (9), Northeast Bank (8), Capital Certified Development Corporation (6), Centennial Bank (6), Readycap Lending, LLC (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Randall County?
The median 7(a) approval was $185K and the median 504 approval $397K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Randall County?
Restaurants and Other Eating Places (10); Other Amusement and Recreation Industries (6); Personal Care Services (5); Residential Building Construction (4); Forging and Stamping (3).
Is SBA lending in Randall County rising?
Approvals in the three latest complete fiscal years total 57, against 33 in the three before: rising (+73%).
How does Randall County compare with the rest of Texas?
27.4 approvals per 1,000 establishments against 37.2 statewide, and 80 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