Lenders › American Momentum Bank
7(a) lenderCollege Station, TexasFDIC-insured bank184th of 2,184 by approvals
American Momentum Bank
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.
In FY2021 to FY2025 SBA approved 210 7(a) loans, worth $220M, through American Momentum Bank of College Station, Texas, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 184th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 62 approvals totalling $61.0M, up 35% on FY2024 (46). FY2026 to 30 Jun 2026 adds 29 more.
The median approval was $719K, against $190K for the 7(a) program as a whole; 8.1% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 30 states and territories and 101 counties, led by Texas (31.9%), Florida (23.8%) and Arizona (6.7%). The largest industry group was retail trade at 20.0% of approvals, and 7.1% of approvals were to franchise businesses.
Of 195 disbursed loans approved in FY2010 to FY2021, SBA records 15 as charged off (7.7%), 118 as paid in full and 62 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* | 29 | $26.8M | $731K | $925K | 295 |
| FY2025 | 62 | $61.0M | $502K | $984K | 920 |
| FY2024 | 46 | $42.2M | $753K | $918K | 638 |
| FY2023 | 50 | $56.4M | $838K | $1.1M | 676 |
| FY2022 | 22 | $20.4M | $750K | $928K | 448 |
| FY2021 | 30 | $39.6M | $917K | $1.3M | 1,102 |
| FY2020 | 24 | $29.3M | $751K | $1.2M | 610 |
| FY2019 | 37 | $29.9M | $600K | $809K | 488 |
| FY2018 | 42 | $24.8M | $369K | $591K | 490 |
| FY2017 | 34 | $20.1M | $420K | $593K | 460 |
| FY2016 | 5 | $5.7M | $293K | $1.1M | 56 |
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 142 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 | 214 | 48,931 | 639,905 |
| Cancelled or never disbursed | 19 | 5,758 | 79,313 |
| Disbursed loans | 195 | 43,173 | 560,592 |
| Paid in full | 118 | 31,848 | 435,813 |
| Charged off | 15 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 62 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 7.7% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 3.7% | 2.9% | 2.5% |
| Dollars charged off | $6.3M | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 28 | 17 | 0 | — | 2.8% |
| FY2020 | 21 | 8 | 0 | — | 4.0% |
| FY2019 | 37 | 16 | 5 | 13.5% | 6.7% |
| FY2018 | 39 | 20 | 4 | 10.3% | 7.9% |
| FY2017 | 30 | 21 | 3 | 10.0% | 7.7% |
| FY2016 | 5 | 5 | 0 | — | 7.2% |
| FY2015 | 5 | 5 | 0 | — | 6.9% |
| FY2014 | 5 | 5 | 0 | — | 6.4% |
| FY2013 | 13 | 10 | 2 | — | 6.0% |
| FY2012 | 4 | 4 | 0 | — | 6.3% |
| FY2011 | 4 | 4 | 0 | — | 6.9% |
| FY2010 | 4 | 3 | 1 | — | 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 | $719K | $190K |
| Average approval | $1.0M | $518K |
| Approvals of $150,000 or less | 8.1% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 23.8% | 34.3% |
| Approvals to franchise businesses | 7.1% | 11.5% |
| Jobs supported per approval, as reported | 18.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 7.7% | 6.6% |
States served
| # | State of the business (30 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 67 | $83.8M | 31.9% | |
| 2 | Florida | 50 | $53.6M | 23.8% | |
| 3 | Arizona | 14 | $11.0M | 6.7% | |
| 4 | Georgia | 13 | $10.4M | 6.2% | |
| 5 | Missouri | 8 | $4.3M | 3.8% | |
| 6 | North Carolina | 7 | $6.5M | 3.3% | |
| 7 | Michigan | 5 | $4.3M | 2.4% | |
| 8 | Kentucky | 5 | $2.9M | 2.4% | |
| 9 | Illinois | 5 | $2.9M | 2.4% | |
| 10 | Ohio | 3 | $3.1M | 1.4% | |
| 11 | Colorado | 3 | $2.7M | 1.4% | |
| 12 | California | 3 | $2.1M | 1.4% |
In Texas the lender accounts for 0.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (101 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Maricopa County, AZ | 11 | $7.4M | 5.2% | |
| 2 | Hillsborough County, FL | 9 | $11.4M | 4.3% | |
| 3 | Bexar County, TX | 9 | $10.2M | 4.3% | |
| 4 | Dallas County, TX | 5 | $5.6M | 2.4% | |
| 5 | Pasco County, FL | 5 | $4.4M | 2.4% | |
| 6 | Travis County, TX | 5 | $3.7M | 2.4% | |
| 7 | Jefferson County, KY | 5 | $2.9M | 2.4% | |
| 8 | Brevard County, FL | 5 | $2.3M | 2.4% | |
| 9 | Ellis County, TX | 4 | $12.9M | 1.9% | |
| 10 | Pinellas County, FL | 4 | $6.7M | 1.9% | |
| 11 | Harris County, TX | 4 | $6.6M | 1.9% | |
| 12 | Duval County, FL | 4 | $5.7M | 1.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 42 | 20.0% | |
| 2 | Other Services (except Public Administration) | 31 | 14.8% | |
| 3 | Health Care and Social Assistance | 31 | 14.8% | |
| 4 | Accommodation and Food Services | 24 | 11.4% | |
| 5 | Construction | 20 | 9.5% | |
| 6 | Professional, Scientific, and Technical Services | 14 | 6.7% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 12 | 5.7% | |
| 8 | Wholesale Trade | 10 | 4.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 22 | 10.5% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 19 | 9.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 17 | 8.1% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 9 | 4.3% | |
| 5 | Grocery StoresNAICS 4451 | 7 | 3.3% | |
| 6 | Personal Care ServicesNAICS 8121 | 6 | 2.9% | |
| 7 | Beer, Wine, and Liquor StoresNAICS 4453 | 6 | 2.9% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 5 | 2.4% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 2.4% | |
| 10 | Building Material and Supplies DealersNAICS 4441 | 4 | 1.9% |
Approval sizes
- $50,000 or less1.9%4
- $50,001 to $150,0006.2%13
- $150,001 to $350,0008.6%18
- $350,001 to $1 million50.0%105
- $1 million to $2 million21.0%44
- Over $2 million12.4%26
Loan terms
- Over 5 to 10 years56.7%119
- Over 10 to 20 years8.6%18
- Over 20 years34.8%73
Age of the businesses
- Existing, more than 2 years old27.6%58
- New business, 2 years or less9.5%20
- Startup, loan funds will open the business14.3%30
- Change of ownership48.6%102
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 186 | 88.6% | |
| 2 | SBA Express Program | 17 | 8.1% | |
| 3 | 7a General | 6 | 2.9% | |
| 4 | International Trade Loans | 1 | 0.5% |
Franchise share
15 of 210 approvals in FY2021–FY2025 (7.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Auto Check | 2 | 1.0% | |
| 2 | Contender eSports | 2 | 1.0% | |
| 3 | Hampton Inn by Hilton | 1 | 0.5% | |
| 4 | A + Transmission Specialists | 1 | 0.5% | |
| 5 | Minuteman Press | 1 | 0.5% | |
| 6 | The UPS Store | 1 | 0.5% | |
| 7 | HTeaO | 1 | 0.5% | |
| 8 | The Bundt Shoppe | 1 | 0.5% |
Questions and answers
How many SBA loans does American Momentum Bank make?
SBA approved 62 7(a) loans through American Momentum Bank in FY2025, worth $61.0M, and 210 over FY2021 to FY2025. That ranks 184th of 2,184 active 7(a) lenders by number of approvals.
How large are American Momentum Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $719K and the average $1.0M. The program-wide median was $190K.
What is American Momentum Bank's charge-off rate?
Of 195 disbursed loans approved in FY2010 to FY2021, SBA records 15 as charged off (7.7%), 118 as paid in full and 62 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 Momentum Bank lend to most?
By number of approvals in FY2021 to FY2025: child day care services (22); restaurants and other eating places (19); automotive repair and maintenance (17); services to buildings and dwellings (9).
Where does American Momentum Bank make SBA loans?
In 30 states and territories. Texas 67, Florida 50, Arizona 14, Georgia 13, Missouri 8. In Texas it accounts for 0.3% of all 7(a) approvals.
Is American Momentum Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 158, against 76 in the three before: rising (+108%).
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