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County47th of 227 in Texas by approvalsFIPS 48451
SBA loans in Tom Green 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 Tom Green County, Texas, received 54 SBA loan approvals worth $47.8M in FY2021 to FY2025 (50 7(a), 4 504).
That is 18.2 approvals per 1,000 business establishments (2,963 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 47th of 227 Texas counties with approvals. In FY2025 there were 10.
21 lenders had approvals here; the most active were The First National Bank of Ballinger (10), Wells Fargo Bank National Association (10) and 1st Community FCU (4). 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 Tom Green County
By number of approvals to businesses in the county, FY2021–FY2025; 21 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The First National Bank of BallingerBallinger, TX | 10 | $3.0M | 18.5% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 10 | $2.4M | 18.5% | |
| 3 | 1st Community FCUSan Angelo, TX | 4 | $1.7M | 7.4% | |
| 4 | Northeast BankLewiston, ME | 4 | $853K | 7.4% | |
| 5 | First Financial BankAbilene, TX | 3 | $1.3M | 5.6% | |
| 6 | GBankLas Vegas, NV | 2 | — | 3.7% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 2 | — | 3.7% | |
| 8 | The Huntington National BankColumbus, OH | 2 | — | 3.7% | |
| 9 | Midwest Regional BankFestus, MO | 2 | — | 3.7% | |
| 10 | Capital Certified Development CorporationAustin, TX · CDC | 2 | — | 3.7% | |
| 11 | Meridian BankMalvern, PA | 2 | — | 3.7% | |
| 12 | Caprock Business Finance Corporation, Inc.Lubbock, TX · CDC | 2 | — | 3.7% | |
| 13 | Pathward National AssociationSioux Falls, SD | 1 | — | 1.9% | |
| 14 | Touchmark National BankAlpharetta, GA | 1 | — | 1.9% | |
| 15 | Shoreham BankWarwick, RI | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 7 | 13.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 13.0% | |
| 3 | Offices of DentistsNAICS 6212 | 5 | 9.3% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 3 | 5.6% | |
| 5 | Gasoline StationsNAICS 4571 | 2 | 3.7% | |
| 6 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 2 | 3.7% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 3.7% | |
| 8 | Support Activities for MiningNAICS 2131 | 2 | 3.7% | |
| 9 | Personal Care ServicesNAICS 8121 | 2 | 3.7% | |
| 10 | Furniture and Home Furnishings RetailersNAICS 4491 | 2 | 3.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 17 | 31.5% | |
| 2 | Health Care and Social Assistance | 5 | 9.3% | |
| 3 | Retail Trade | 5 | 9.3% | |
| 4 | Other Services (except Public Administration) | 5 | 9.3% | |
| 5 | Transportation and Warehousing | 4 | 7.4% | |
| 6 | Manufacturing | 3 | 5.6% | |
| 7 | Construction | 3 | 5.6% | |
| 8 | Information | 2 | 3.7% |
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* | 6 | $9.1M | $350K | 1 | — | 7 | 85 |
| FY2025 | 10 | $8.4M | $250K | 0 | — | 10 | 143 |
| FY2024 | 7 | $2.8M | $104K | 1 | — | 8 | 41 |
| FY2023 | 9 | $7.4M | $300K | 0 | — | 9 | 79 |
| FY2022 | 9 | $5.7M | $240K | 2 | — | 11 | 124 |
| FY2021 | 15 | $21.8M | $495K | 1 | — | 16 | 147 |
| FY2020 | 15 | $12.7M | $180K | 4 | $2.4M | 19 | 184 |
| FY2019 | 12 | $5.8M | $143K | 1 | — | 13 | 136 |
| FY2018 | 19 | $7.5M | $300K | 2 | — | 21 | 245 |
| FY2017 | 15 | $7.5M | $108K | 3 | $608K | 18 | 103 |
| FY2016 | 11 | $3.0M | $77K | 1 | — | 12 | 107 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 83 approvals.
Against Texas and the country
| FY2021–FY2025 | Tom Green County | Texas | United States |
|---|---|---|---|
| Approvals | 54 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 18.2 | 37.2 | 41.0 |
| Median 7(a) approval | $255K | $320K | $190K |
| Median 504 approval | $249K | $974K | $657K |
| Average approval | $886K | $770K | $573K |
| 504 share of approvals | 7.4% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 9.9 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less18.5%10
- $50,001 to $150,00016.7%9
- $150,001 to $350,00024.1%13
- $350,001 to $1 million14.8%8
- $1 million to $2 million5.6%3
- Over $2 million20.4%11
Age of the businesses
- Existing, more than 2 years old48.1%26
- New business, 2 years or less25.9%14
- Startup, loan funds will open the business13.0%7
- Change of ownership13.0%7
Questions and answers
Which lenders make the most SBA loans in Tom Green County?
By approvals in FY2021 to FY2025: The First National Bank of Ballinger (10), Wells Fargo Bank National Association (10), 1st Community FCU (4), Northeast Bank (4), First Financial Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Tom Green County?
The median 7(a) approval was $255K and the median 504 approval $249K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Tom Green County?
Traveler Accommodation (7); Restaurants and Other Eating Places (7); Offices of Dentists (5); Building Equipment Contractors (3); Gasoline Stations (2).
Is SBA lending in Tom Green County rising?
Approvals in the three latest complete fiscal years total 27, against 46 in the three before: falling (-41%).
How does Tom Green County compare with the rest of Texas?
18.2 approvals per 1,000 establishments against 37.2 statewide, and 54 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