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County46th of 227 in Texas by approvalsFIPS 48469
SBA loans in Victoria 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 54 loans to businesses in Victoria County, Texas, in FY2021 to FY2025, worth $60.2M: 50 under 7(a) and 4 under 504.
That is 23.9 approvals per 1,000 business establishments (2,255 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 46th of 227 Texas counties with approvals. In FY2025 there were 11, down 42% on FY2024.
26 lenders had approvals here; the most active were Wallis Bank (11), Wells Fargo Bank National Association (6) and Celtic Bank Corporation (4). 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 Victoria County
By number of approvals to businesses in the county, FY2021–FY2025; 26 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wallis BankWallis, TX | 11 | $17.1M | 20.4% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $1.7M | 11.1% | |
| 3 | Celtic Bank CorporationSalt Lake City, UT | 4 | $5.4M | 7.4% | |
| 4 | The Huntington National BankColumbus, OH | 3 | $2.2M | 5.6% | |
| 5 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 3 | $2.0M | 5.6% | |
| 6 | TransPecos Banks, SSB.Pecos, TX | 2 | — | 3.7% | |
| 7 | Byline BankChicago, IL | 2 | — | 3.7% | |
| 8 | Capital Certified Development CorporationAustin, TX · CDC | 2 | — | 3.7% | |
| 9 | Security State Bank and TrustFredericksburg, TX | 2 | — | 3.7% | |
| 10 | Frost BankSan Antonio, TX | 2 | — | 3.7% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 2 | — | 3.7% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.9% | |
| 13 | Third Coast BankHumble, TX | 1 | — | 1.9% | |
| 14 | b1BANKBaton Rouge, LA | 1 | — | 1.9% | |
| 15 | Lone Star State Capital CorporationHouston, TX · CDC | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4571 | 10 | 18.5% | |
| 2 | Traveler AccommodationNAICS 7211 | 7 | 13.0% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 13.0% | |
| 4 | Offices of PhysiciansNAICS 6211 | 2 | 3.7% | |
| 5 | Bakeries and Tortilla ManufacturingNAICS 3118 | 2 | 3.7% | |
| 6 | Health and Personal Care RetailersNAICS 4561 | 2 | 3.7% | |
| 7 | Other Fabricated Metal Product ManufacturingNAICS 3329 | 2 | 3.7% | |
| 8 | Employment ServicesNAICS 5613 | 1 | 1.9% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 1 | 1.9% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 1 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 17 | 31.5% | |
| 2 | Accommodation and Food Services | 16 | 29.6% | |
| 3 | Manufacturing | 6 | 11.1% | |
| 4 | Health Care and Social Assistance | 4 | 7.4% | |
| 5 | Other Services (except Public Administration) | 3 | 5.6% | |
| 6 | Construction | 2 | 3.7% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 1 | 1.9% | |
| 8 | Wholesale Trade | 1 | 1.9% |
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 | $7.0M | $325K | 0 | — | 5 | 54 |
| FY2025 | 11 | $5.0M | $313K | 0 | — | 11 | 159 |
| FY2024 | 16 | $13.1M | $833K | 3 | $2.9M | 19 | 182 |
| FY2023 | 10 | $14.0M | $768K | 0 | — | 10 | 317 |
| FY2022 | 5 | $8.1M | $819K | 0 | — | 5 | 118 |
| FY2021 | 8 | $16.0M | $1.2M | 1 | — | 9 | 94 |
| FY2020 | 6 | $7.8M | $800K | 0 | — | 6 | 163 |
| FY2019 | 12 | $10.6M | $342K | 0 | — | 12 | 112 |
| FY2018 | 4 | $4.2M | $290K | 0 | — | 4 | 12 |
| FY2017 | 8 | $5.4M | $525K | 1 | — | 9 | 79 |
| FY2016 | 10 | $3.1M | $75K | 2 | — | 12 | 77 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 43 approvals.
Against Texas and the country
| FY2021–FY2025 | Victoria County | Texas | United States |
|---|---|---|---|
| Approvals | 54 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 23.9 | 37.2 | 41.0 |
| Median 7(a) approval | $613K | $320K | $190K |
| Median 504 approval | $936K | $974K | $657K |
| Average approval | $1.1M | $770K | $573K |
| 504 share of approvals | 7.4% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 16.1 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less11.1%6
- $50,001 to $150,0005.6%3
- $150,001 to $350,00014.8%8
- $350,001 to $1 million25.9%14
- $1 million to $2 million29.6%16
- Over $2 million13.0%7
Age of the businesses
- Existing, more than 2 years old27.8%15
- New business, 2 years or less31.5%17
- Startup, loan funds will open the business24.1%13
- Change of ownership16.7%9
Questions and answers
Which lenders make the most SBA loans in Victoria County?
By approvals in FY2021 to FY2025: Wallis Bank (11), Wells Fargo Bank National Association (6), Celtic Bank Corporation (4), The Huntington National Bank (3), Gulf Coast Bank and Trust Company (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Victoria County?
The median 7(a) approval was $613K and the median 504 approval $936K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Victoria County?
Gasoline Stations (10); Traveler Accommodation (7); Restaurants and Other Eating Places (7); Offices of Physicians (2); Bakeries and Tortilla Manufacturing (2).
Is SBA lending in Victoria County rising?
Approvals in the three latest complete fiscal years total 40, against 20 in the three before: rising (+100%).
How does Victoria County compare with the rest of Texas?
23.9 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