Lenders › American Bank of Commerce
7(a) lenderWolfforth, TexasFDIC-insured bank436th of 2,184 by approvals
American Bank of Commerce
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
American Bank of Commerce, based in Wolfforth, Texas, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 64 of its 7(a) loans worth $28.9M in FY2021 to FY2025, which places it 436th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 25 approvals totalling $11.4M. FY2026 to 30 Jun 2026 adds 16 more.
The median approval was $244K, against $190K for the 7(a) program as a whole; 40.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 2 states and territories and 13 counties, led by Texas (75.0%) and Colorado (25.0%). The largest industry group was professional, scientific, and technical services at 17.2% of approvals, and 15.6% of approvals were to franchise businesses.
Of 171 disbursed loans approved in FY2010 to FY2021, SBA records 14 as charged off (8.2%), 142 as paid in full and 15 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 16 | $8.4M | $452K | $524K | 234 |
| FY2025 | 25 | $11.4M | $250K | $457K | 172 |
| FY2024 | 9 | $4.2M | $231K | $470K | 135 |
| FY2023 | 14 | $7.7M | $375K | $553K | 92 |
| FY2022 | 7 | $1.5M | $100K | $211K | 282 |
| FY2021 | 9 | $4.0M | $239K | $446K | 116 |
| FY2020 | 12 | $2.8M | $178K | $237K | 116 |
| FY2019 | 12 | $5.2M | $202K | $434K | 480 |
| FY2018 | 16 | $4.5M | $203K | $284K | 170 |
| FY2017 | 18 | $6.3M | $290K | $352K | 312 |
| FY2016 | 21 | $5.9M | $231K | $279K | 447 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 79 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Texas | 7(a) program |
|---|---|---|---|
| Approvals in these years | 203 | 48,931 | 639,905 |
| Cancelled or never disbursed | 32 | 5,758 | 79,313 |
| Disbursed loans | 171 | 43,173 | 560,592 |
| Paid in full | 142 | 31,848 | 435,813 |
| Charged off | 14 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 15 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 8.2% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 6.9% | 2.9% | 2.5% |
| Dollars charged off | $3.9M | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 8 | 3 | 1 | — | 2.8% |
| FY2020 | 11 | 8 | 0 | — | 4.0% |
| FY2019 | 9 | 7 | 0 | — | 6.7% |
| FY2018 | 14 | 9 | 2 | — | 7.9% |
| FY2017 | 15 | 12 | 1 | — | 7.7% |
| FY2016 | 21 | 18 | 2 | — | 7.2% |
| FY2015 | 13 | 11 | 2 | — | 6.9% |
| FY2014 | 18 | 17 | 1 | — | 6.4% |
| FY2013 | 15 | 14 | 1 | — | 6.0% |
| FY2012 | 9 | 7 | 2 | — | 6.3% |
| FY2011 | 14 | 14 | 0 | — | 6.9% |
| FY2010 | 24 | 22 | 2 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $244K | $190K |
| Average approval | $451K | $518K |
| Approvals of $150,000 or less | 40.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 34.4% | 34.3% |
| Approvals to franchise businesses | 15.6% | 11.5% |
| Jobs supported per approval, as reported | 12.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 8.2% | 6.6% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 48 | $23.7M | 75.0% | |
| 2 | Colorado | 16 | $5.1M | 25.0% |
In Texas the lender accounts for 0.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (13 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Travis County, TX | 23 | $11.8M | 35.9% | |
| 2 | El Paso County, CO | 15 | $5.0M | 23.4% | |
| 3 | Lubbock County, TX | 7 | $1.6M | 10.9% | |
| 4 | Harris County, TX | 3 | $3.9M | 4.7% | |
| 5 | Williamson County, TX | 3 | $1.9M | 4.7% | |
| 6 | Denton County, TX | 3 | $1.6M | 4.7% | |
| 7 | Hays County, TX | 3 | $1.2M | 4.7% | |
| 8 | Burnet County, TX | 2 | — | 3.1% | |
| 9 | Anderson County, TX | 1 | — | 1.6% | |
| 10 | Fannin County, TX | 1 | — | 1.6% | |
| 11 | Teller County, CO | 1 | — | 1.6% | |
| 12 | Dallas County, TX | 1 | — | 1.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 11 | 17.2% | |
| 2 | Other Services (except Public Administration) | 8 | 12.5% | |
| 3 | Manufacturing | 7 | 10.9% | |
| 4 | Construction | 7 | 10.9% | |
| 5 | Accommodation and Food Services | 4 | 6.3% | |
| 6 | Retail Trade | 4 | 6.3% | |
| 7 | Real Estate and Rental and Leasing | 4 | 6.3% | |
| 8 | Educational Services | 4 | 6.3% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Personal Care ServicesNAICS 8121 | 5 | 7.8% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 6.3% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 6.3% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 4 | 6.3% | |
| 5 | Offices of Real Estate Agents and BrokersNAICS 5312 | 3 | 4.7% | |
| 6 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 3 | 4.7% | |
| 7 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 2 | 3.1% | |
| 8 | Newspaper, Periodical, Book, and Directory PublishersNAICS 5111 | 2 | 3.1% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.1% | |
| 10 | Computer Systems Design and Related ServicesNAICS 5415 | 2 | 3.1% |
Approval sizes
- $50,000 or less15.6%10
- $50,001 to $150,00025.0%16
- $150,001 to $350,00023.4%15
- $350,001 to $1 million23.4%15
- $1 million to $2 million9.4%6
- Over $2 million3.1%2
Loan terms
- 5 years or less18.8%12
- Over 5 to 10 years73.4%47
- Over 10 to 20 years4.7%3
- Over 20 years3.1%2
Age of the businesses
- Existing, more than 2 years old48.4%31
- New business, 2 years or less14.1%9
- Startup, loan funds will open the business20.3%13
- Change of ownership17.2%11
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 54 | 84.4% | |
| 2 | SBA Express Program | 7 | 10.9% | |
| 3 | Working Capital CAPLine | 2 | 3.1% | |
| 4 | 7a General | 1 | 1.6% |
Franchise share
10 of 64 approvals in FY2021–FY2025 (15.6%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | beem Light Sauna | 3 | 4.7% | |
| 2 | F45 Training | 3 | 4.7% | |
| 3 | Buffalo Wild Wings Sports Bar | 1 | 1.6% | |
| 4 | Mountain Mike's Pizza | 1 | 1.6% | |
| 5 | Doner Shack | 1 | 1.6% | |
| 6 | Cabinet IQ | 1 | 1.6% |
Questions and answers
How many SBA loans does American Bank of Commerce make?
SBA approved 25 7(a) loans through American Bank of Commerce in FY2025, worth $11.4M, and 64 over FY2021 to FY2025. That ranks 436th of 2,184 active 7(a) lenders by number of approvals.
How large are American Bank of Commerce's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $244K and the average $451K. The program-wide median was $190K.
What is American Bank of Commerce's charge-off rate?
Of 171 disbursed loans approved in FY2010 to FY2021, SBA records 14 as charged off (8.2%), 142 as paid in full and 15 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does American Bank of Commerce lend to most?
By number of approvals in FY2021 to FY2025: personal care services (5); restaurants and other eating places (4); other amusement and recreation industries (4); building equipment contractors (4).
Where does American Bank of Commerce make SBA loans?
In 2 states and territories. Texas 48, Colorado 16. In Texas it accounts for 0.2% of all 7(a) approvals.
Is American Bank of Commerce's SBA lending rising?
Approvals in the three latest complete fiscal years total 48, against 28 in the three before: rising (+71%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error