Lenders › Lone Star National Bank
7(a) lenderPharr, TexasFDIC-insured bank443rd of 2,184 by approvals
Lone Star National 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 63 7(a) loans, worth $15.2M, through Lone Star National Bank of Pharr, Texas, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 443rd among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 32 approvals totalling $7.0M, up 146% on FY2024 (13).
The median approval was $122K, against $190K for the 7(a) program as a whole; 54.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 1 state or territory and 6 counties, led by Texas (100.0%). The largest industry group was health care and social assistance at 23.8% of approvals, and 4.8% of approvals were to franchise businesses.
Of 100 disbursed loans approved in FY2010 to FY2021, SBA records 18 as charged off (18.0%), 73 as paid in full and 9 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* | 0 | — | — | — | 0 |
| FY2025 | 32 | $7.0M | $110K | $220K | 342 |
| FY2024 | 13 | $3.0M | $75K | $229K | 124 |
| FY2023 | 5 | $1.6M | $100K | $318K | 127 |
| FY2022 | 8 | $2.4M | $221K | $294K | 81 |
| FY2021 | 5 | $1.3M | $276K | $258K | 41 |
| FY2020 | 3 | $793K | $326K | $264K | 39 |
| FY2019 | 4 | $880K | $150K | $220K | 34 |
| FY2018 | 5 | $853K | $100K | $171K | 35 |
| FY2017 | 7 | $1.1M | $140K | $156K | 111 |
| FY2016 | 5 | $2.5M | $275K | $507K | 134 |
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 24 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 | 107 | 48,931 | 639,905 |
| Cancelled or never disbursed | 7 | 5,758 | 79,313 |
| Disbursed loans | 100 | 43,173 | 560,592 |
| Paid in full | 73 | 31,848 | 435,813 |
| Charged off | 18 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 9 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 18.0% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 7.8% | 2.9% | 2.5% |
| Dollars charged off | $2.5M | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 4 | 1 | 0 | — | 2.8% |
| FY2020 | 3 | 2 | 0 | — | 4.0% |
| FY2019 | 4 | 3 | 0 | — | 6.7% |
| FY2018 | 3 | 2 | 1 | — | 7.9% |
| FY2017 | 7 | 4 | 3 | — | 7.7% |
| FY2016 | 5 | 2 | 3 | — | 7.2% |
| FY2015 | 19 | 16 | 2 | — | 6.9% |
| FY2014 | 17 | 15 | 2 | — | 6.4% |
| FY2013 | 13 | 8 | 5 | — | 6.0% |
| FY2012 | 12 | 9 | 1 | — | 6.3% |
| FY2011 | 7 | 6 | 0 | — | 6.9% |
| FY2010 | 6 | 5 | 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 | $122K | $190K |
| Average approval | $242K | $518K |
| Approvals of $150,000 or less | 54.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 69.8% | 34.3% |
| Approvals to franchise businesses | 4.8% | 11.5% |
| Jobs supported per approval, as reported | 11.3 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 18.0% | 6.6% |
States served
| # | State of the business (1 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 63 | $15.2M | 100.0% |
In Texas the lender accounts for 0.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (6 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Hidalgo County, TX | 49 | $10.9M | 77.8% | |
| 2 | Cameron County, TX | 5 | $1.2M | 7.9% | |
| 3 | Bexar County, TX | 4 | $1.2M | 6.3% | |
| 4 | Starr County, TX | 3 | $1.4M | 4.8% | |
| 5 | Fort Bend County, TX | 1 | — | 1.6% | |
| 6 | El Paso County, TX | 1 | — | 1.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 15 | 23.8% | |
| 2 | Arts, Entertainment, and Recreation | 9 | 14.3% | |
| 3 | Accommodation and Food Services | 8 | 12.7% | |
| 4 | Transportation and Warehousing | 7 | 11.1% | |
| 5 | Other Services (except Public Administration) | 5 | 7.9% | |
| 6 | Professional, Scientific, and Technical Services | 4 | 6.3% | |
| 7 | Construction | 4 | 6.3% | |
| 8 | Retail Trade | 3 | 4.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 11.1% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 9.5% | |
| 3 | Child Day Care ServicesNAICS 6244 | 5 | 7.9% | |
| 4 | Offices of PhysiciansNAICS 6211 | 4 | 6.3% | |
| 5 | General Freight TruckingNAICS 4841 | 4 | 6.3% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 4 | 6.3% | |
| 7 | Personal Care ServicesNAICS 8121 | 4 | 6.3% | |
| 8 | Promoters of Performing Arts, Sports, and Similar EventsNAICS 7113 | 3 | 4.8% | |
| 9 | Specialized Freight TruckingNAICS 4842 | 2 | 3.2% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 3.2% |
Approval sizes
- $50,000 or less19.0%12
- $50,001 to $150,00034.9%22
- $150,001 to $350,00022.2%14
- $350,001 to $1 million22.2%14
- $1 million to $2 million1.6%1
Loan terms
- 5 years or less6.3%4
- Over 5 to 10 years73.0%46
- Over 10 to 20 years19.0%12
- Over 20 years1.6%1
Age of the businesses
- Existing, more than 2 years old27.0%17
- New business, 2 years or less19.0%12
- Startup, loan funds will open the business50.8%32
- Change of ownership3.2%2
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | 7a General | 63 | 100.0% |
Franchise share
3 of 63 approvals in FY2021–FY2025 (4.8%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Hotworx | 2 | 3.2% | |
| 2 | Jeremiah's Italian Ice | 1 | 1.6% |
Questions and answers
How many SBA loans does Lone Star National Bank make?
SBA approved 32 7(a) loans through Lone Star National Bank in FY2025, worth $7.0M, and 63 over FY2021 to FY2025. That ranks 443rd of 2,184 active 7(a) lenders by number of approvals.
How large are Lone Star National Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $122K and the average $242K. The program-wide median was $190K.
What is Lone Star National Bank's charge-off rate?
Of 100 disbursed loans approved in FY2010 to FY2021, SBA records 18 as charged off (18.0%), 73 as paid in full and 9 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 Lone Star National Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (7); other amusement and recreation industries (6); child day care services (5); offices of physicians (4).
Where does Lone Star National Bank make SBA loans?
In 1 state or territory. Texas 63. In Texas it accounts for 0.3% of all 7(a) approvals.
Is Lone Star National Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 50, against 16 in the three before: rising (+213%).
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