Lenders › Plains State Bank
7(a) lenderHumble, TexasFDIC-insured bank350th of 2,184 by approvals
Plains State 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.
Plains State Bank, based in Humble, Texas, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 86 of its 7(a) loans worth $168M in FY2021 to FY2025, which places it 350th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 11 approvals totalling $24.9M, about level with FY2024 (11). FY2026 to 30 Jun 2026 adds 6 more.
The median approval was $1.3M, against $190K for the 7(a) program as a whole; 1.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 2 states and territories and 25 counties, led by Texas (98.8%) and New Mexico (1.2%). The largest industry group was health care and social assistance at 18.6% of approvals, and 30.2% of approvals were to franchise businesses.
Of 235 disbursed loans approved in FY2010 to FY2021, SBA records 12 as charged off (5.1%), 153 as paid in full and 70 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below 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* | 6 | $18.7M | $3.4M | $3.1M | 66 |
| FY2025 | 11 | $24.9M | $2.0M | $2.3M | 136 |
| FY2024 | 11 | $22.2M | $1.2M | $2.0M | 101 |
| FY2023 | 4 | $2.1M | $365K | $517K | 12 |
| FY2022 | 16 | $38.2M | $2.0M | $2.4M | 202 |
| FY2021 | 44 | $81.1M | $990K | $1.8M | 711 |
| FY2020 | 21 | $31.6M | $715K | $1.5M | 456 |
| FY2019 | 38 | $75.0M | $1.6M | $2.0M | 372 |
| FY2018 | 25 | $39.1M | $850K | $1.6M | 114 |
| FY2017 | 23 | $41.0M | $909K | $1.8M | 201 |
| FY2016 | 17 | $36.7M | $1.5M | $2.2M | 178 |
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 124 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 | 273 | 48,931 | 639,905 |
| Cancelled or never disbursed | 38 | 5,758 | 79,313 |
| Disbursed loans | 235 | 43,173 | 560,592 |
| Paid in full | 153 | 31,848 | 435,813 |
| Charged off | 12 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 70 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 5.1% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.3% | 2.9% | 2.5% |
| Dollars charged off | $4.9M | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 39 | 15 | 2 | 5.1% | 2.8% |
| FY2020 | 20 | 10 | 0 | — | 4.0% |
| FY2019 | 34 | 13 | 1 | 2.9% | 6.7% |
| FY2018 | 23 | 12 | 2 | — | 7.9% |
| FY2017 | 19 | 14 | 0 | — | 7.7% |
| FY2016 | 16 | 12 | 1 | — | 7.2% |
| FY2015 | 8 | 7 | 1 | — | 6.9% |
| FY2014 | 5 | 5 | 0 | — | 6.4% |
| FY2013 | 10 | 10 | 0 | — | 6.0% |
| FY2012 | 14 | 13 | 1 | — | 6.3% |
| FY2011 | 20 | 19 | 1 | — | 6.9% |
| FY2010 | 27 | 23 | 3 | — | 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 | $1.3M | $190K |
| Average approval | $2.0M | $518K |
| Approvals of $150,000 or less | 1.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 40.7% | 34.3% |
| Approvals to franchise businesses | 30.2% | 11.5% |
| Jobs supported per approval, as reported | 13.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 5.1% | 6.6% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 85 | $168M | 98.8% | |
| 2 | New Mexico | 1 | — | 1.2% |
In Texas the lender accounts for 0.4% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (25 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Harris County, TX | 42 | $83.8M | 48.8% | |
| 2 | Montgomery County, TX | 9 | $16.8M | 10.5% | |
| 3 | Fort Bend County, TX | 4 | $9.0M | 4.7% | |
| 4 | Dallas County, TX | 3 | $6.5M | 3.5% | |
| 5 | Galveston County, TX | 3 | $3.7M | 3.5% | |
| 6 | Brazos County, TX | 2 | — | 2.3% | |
| 7 | Williamson County, TX | 2 | — | 2.3% | |
| 8 | Bexar County, TX | 2 | — | 2.3% | |
| 9 | Hays County, TX | 2 | — | 2.3% | |
| 10 | Midland County, TX | 2 | — | 2.3% | |
| 11 | Tarrant County, TX | 1 | — | 1.2% | |
| 12 | Travis County, TX | 1 | — | 1.2% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 16 | 18.6% | |
| 2 | Accommodation and Food Services | 15 | 17.4% | |
| 3 | Retail Trade | 10 | 11.6% | |
| 4 | Other Services (except Public Administration) | 9 | 10.5% | |
| 5 | Real Estate and Rental and Leasing | 7 | 8.1% | |
| 6 | Manufacturing | 6 | 7.0% | |
| 7 | Construction | 5 | 5.8% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 4 | 4.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 9 | 10.5% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 9.3% | |
| 3 | Traveler AccommodationNAICS 7211 | 7 | 8.1% | |
| 4 | Gasoline StationsNAICS 4571 | 5 | 5.8% | |
| 5 | Lessors of Real EstateNAICS 5311 | 5 | 5.8% | |
| 6 | Personal Care ServicesNAICS 8121 | 4 | 4.7% | |
| 7 | Nonresidential Building ConstructionNAICS 2362 | 3 | 3.5% | |
| 8 | Offices of PhysiciansNAICS 6211 | 3 | 3.5% | |
| 9 | Individual and Family ServicesNAICS 6241 | 2 | 2.3% | |
| 10 | Commercial and Industrial Machinery and Equipment Rental and LeasingNAICS 5324 | 2 | 2.3% |
Approval sizes
- $50,001 to $150,0001.2%1
- $150,001 to $350,00019.8%17
- $350,001 to $1 million23.3%20
- $1 million to $2 million17.4%15
- Over $2 million38.4%33
Loan terms
- 5 years or less2.3%2
- Over 5 to 10 years31.4%27
- Over 10 to 20 years18.6%16
- Over 20 years47.7%41
Age of the businesses
- Existing, more than 2 years old27.9%24
- New business, 2 years or less12.8%11
- Startup, loan funds will open the business27.9%24
- Change of ownership31.4%27
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 79 | 91.9% | |
| 2 | International Trade Loans | 3 | 3.5% | |
| 3 | 7(a) WCP | 2 | 2.3% | |
| 4 | 7a General | 2 | 2.3% |
Franchise share
26 of 86 approvals in FY2021–FY2025 (30.2%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Primrose Schools | 2 | 2.3% | |
| 2 | Children's Lighthouse Early Learning Schools | 2 | 2.3% | |
| 3 | Gasgo Markets, Inc. | 2 | 2.3% | |
| 4 | avid Hotels | 1 | 1.2% | |
| 5 | Kids 'R' Kids | 1 | 1.2% | |
| 6 | La Quinta by Wyndham | 1 | 1.2% | |
| 7 | Holiday Inn Express | 1 | 1.2% | |
| 8 | The Goddard School | 1 | 1.2% |
Questions and answers
How many SBA loans does Plains State Bank make?
SBA approved 11 7(a) loans through Plains State Bank in FY2025, worth $24.9M, and 86 over FY2021 to FY2025. That ranks 350th of 2,184 active 7(a) lenders by number of approvals.
How large are Plains State Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.3M and the average $2.0M. The program-wide median was $190K.
What is Plains State Bank's charge-off rate?
Of 235 disbursed loans approved in FY2010 to FY2021, SBA records 12 as charged off (5.1%), 153 as paid in full and 70 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below 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 Plains State Bank lend to most?
By number of approvals in FY2021 to FY2025: child day care services (9); restaurants and other eating places (8); traveler accommodation (7); gasoline stations (5).
Where does Plains State Bank make SBA loans?
In 2 states and territories. Texas 85, New Mexico 1. In Texas it accounts for 0.4% of all 7(a) approvals.
Is Plains State Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 26, against 81 in the three before: falling (-68%).
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