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County44th of 227 in Texas by approvalsFIPS 48485
SBA loans in Wichita 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 59 loans to businesses in Wichita County, Texas, in FY2021 to FY2025, worth $43.7M: 57 under 7(a) and 2 under 504.
That is 19.4 approvals per 1,000 business establishments (3,043 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 44th of 227 Texas counties with approvals. In FY2025 there were 11, down 35% on FY2024.
36 lenders had approvals here; the most active were Northeast Bank (5), Prosperity Bank (4) and American National Bank and Trust (3). 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 Wichita County
By number of approvals to businesses in the county, FY2021–FY2025; 36 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Northeast BankLewiston, ME | 5 | $1.1M | 8.5% | |
| 2 | Prosperity BankEl Campo, TX | 4 | $1.7M | 6.8% | |
| 3 | American National Bank and TrustWichita Falls, TX | 3 | $4.4M | 5.1% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 3 | $1.2M | 5.1% | |
| 5 | PlainsCapital BankDallas, TX | 3 | $408K | 5.1% | |
| 6 | BayFirst National BankSaint Petersburg, FL | 3 | $400K | 5.1% | |
| 7 | Cogent BankOrlando, FL | 2 | — | 3.4% | |
| 8 | First Internet Bank of IndianaFishers, IN | 2 | — | 3.4% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 2 | — | 3.4% | |
| 10 | Metro City BankDoraville, GA | 2 | — | 3.4% | |
| 11 | Capital Certified Development CorporationAustin, TX · CDC | 2 | — | 3.4% | |
| 12 | Bank of America, National AssociationCharlotte, NC | 2 | — | 3.4% | |
| 13 | Lendistry SBLC, LLCLos Angeles, CA | 2 | — | 3.4% | |
| 14 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 3.4% | |
| 15 | Farmers State Bank of Alto Pass, IllinoisAlto Pass, IL | 1 | — | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 15.3% | |
| 2 | Traveler AccommodationNAICS 7211 | 4 | 6.8% | |
| 3 | Residential Building ConstructionNAICS 2361 | 3 | 5.1% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 3 | 5.1% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 5.1% | |
| 6 | Beer, Wine, and Liquor StoresNAICS 4453 | 2 | 3.4% | |
| 7 | Computer Systems Design and Related ServicesNAICS 5415 | 2 | 3.4% | |
| 8 | Health and Personal Care RetailersNAICS 4561 | 2 | 3.4% | |
| 9 | Gasoline StationsNAICS 4571 | 2 | 3.4% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 3.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 15 | 25.4% | |
| 2 | Accommodation and Food Services | 13 | 22.0% | |
| 3 | Construction | 9 | 15.3% | |
| 4 | Professional, Scientific, and Technical Services | 5 | 8.5% | |
| 5 | Other Services (except Public Administration) | 4 | 6.8% | |
| 6 | Health Care and Social Assistance | 3 | 5.1% | |
| 7 | Real Estate and Rental and Leasing | 3 | 5.1% | |
| 8 | Finance and Insurance | 2 | 3.4% |
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 | $4.6M | $415K | 0 | — | 9 | 106 |
| FY2025 | 11 | $5.5M | $400K | 0 | — | 11 | 111 |
| FY2024 | 17 | $7.0M | $250K | 0 | — | 17 | 174 |
| FY2023 | 13 | $8.2M | $300K | 0 | — | 13 | 135 |
| FY2022 | 3 | $7.9M | $2.8M | 0 | — | 3 | 43 |
| FY2021 | 13 | $14.1M | $744K | 2 | — | 15 | 215 |
| FY2020 | 6 | $2.9M | $285K | 0 | — | 6 | 73 |
| FY2019 | 10 | $7.0M | $138K | 1 | — | 11 | 166 |
| FY2018 | 9 | $2.2M | $150K | 0 | — | 9 | 57 |
| FY2017 | 10 | $8.4M | $268K | 0 | — | 10 | 128 |
| FY2016 | 17 | $6.6M | $170K | 2 | — | 19 | 93 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 55 approvals.
Against Texas and the country
| FY2021–FY2025 | Wichita County | Texas | United States |
|---|---|---|---|
| Approvals | 59 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 19.4 | 37.2 | 41.0 |
| Median 7(a) approval | $400K | $320K | $190K |
| Median 504 approval | — | $974K | $657K |
| Average approval | $741K | $770K | $573K |
| 504 share of approvals | 3.4% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 11.5 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less6.8%4
- $50,001 to $150,00020.3%12
- $150,001 to $350,00022.0%13
- $350,001 to $1 million32.2%19
- $1 million to $2 million8.5%5
- Over $2 million10.2%6
Age of the businesses
- Existing, more than 2 years old50.8%30
- New business, 2 years or less10.2%6
- Startup, loan funds will open the business25.4%15
- Change of ownership13.6%8
Questions and answers
Which lenders make the most SBA loans in Wichita County?
By approvals in FY2021 to FY2025: Northeast Bank (5), Prosperity Bank (4), American National Bank and Trust (3), Newtek Bank, National Association (3), PlainsCapital Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Wichita County?
The median 7(a) approval was $400K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Wichita County?
Restaurants and Other Eating Places (9); Traveler Accommodation (4); Residential Building Construction (3); Building Equipment Contractors (3); Other Specialty Trade Contractors (3).
Is SBA lending in Wichita County rising?
Approvals in the three latest complete fiscal years total 41, against 24 in the three before: rising (+71%).
How does Wichita County compare with the rest of Texas?
19.4 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