Lenders › PlainsCapital Bank
7(a) lenderDallas, TexasFDIC-insured bank122nd of 2,184 by approvals
PlainsCapital 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.
PlainsCapital Bank, based in Dallas, Texas, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 315 of its 7(a) loans worth $150M in FY2021 to FY2025, which places it 122nd of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 122 approvals totalling $45.4M, up 63% on FY2024 (75). FY2026 to 30 Jun 2026 adds 62 more.
The median approval was $100K, against $190K for the 7(a) program as a whole; 55.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 4 states and territories and 39 counties, led by Texas (98.7%), Delaware (0.6%) and Illinois (0.3%). The largest industry group was health care and social assistance at 15.9% of approvals, and 14.9% of approvals were to franchise businesses.
Of 358 disbursed loans approved in FY2010 to FY2021, SBA records 22 as charged off (6.1%), 271 as paid in full and 65 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to 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* | 62 | $19.8M | $128K | $320K | 634 |
| FY2025 | 122 | $45.4M | $100K | $372K | 1,934 |
| FY2024 | 75 | $28.1M | $100K | $375K | 870 |
| FY2023 | 58 | $23.9M | $100K | $412K | 1,143 |
| FY2022 | 28 | $19.8M | $463K | $708K | 485 |
| FY2021 | 32 | $33.2M | $625K | $1.0M | 386 |
| FY2020 | 29 | $31.5M | $443K | $1.1M | 282 |
| FY2019 | 29 | $30.9M | $412K | $1.1M | 419 |
| FY2018 | 22 | $18.1M | $409K | $823K | 519 |
| FY2017 | 18 | $15.9M | $492K | $885K | 283 |
| FY2016 | 28 | $18.9M | $445K | $677K | 480 |
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 126 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 | 392 | 48,931 | 639,905 |
| Cancelled or never disbursed | 34 | 5,758 | 79,313 |
| Disbursed loans | 358 | 43,173 | 560,592 |
| Paid in full | 271 | 31,848 | 435,813 |
| Charged off | 22 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 65 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 6.1% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 4.5% | 2.9% | 2.5% |
| Dollars charged off | $14.1M | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 29 | 7 | 0 | — | 2.8% |
| FY2020 | 27 | 9 | 0 | — | 4.0% |
| FY2019 | 26 | 14 | 1 | — | 6.7% |
| FY2018 | 21 | 15 | 2 | — | 7.9% |
| FY2017 | 18 | 13 | 2 | — | 7.7% |
| FY2016 | 27 | 21 | 2 | — | 7.2% |
| FY2015 | 15 | 11 | 4 | — | 6.9% |
| FY2014 | 22 | 22 | 0 | — | 6.4% |
| FY2013 | 30 | 26 | 1 | 3.3% | 6.0% |
| FY2012 | 31 | 30 | 1 | 3.2% | 6.3% |
| FY2011 | 54 | 52 | 2 | 3.7% | 6.9% |
| FY2010 | 58 | 51 | 7 | 12.1% | 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 | $100K | $190K |
| Average approval | $477K | $518K |
| Approvals of $150,000 or less | 55.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 52.1% | 34.3% |
| Approvals to franchise businesses | 14.9% | 11.5% |
| Jobs supported per approval, as reported | 15.3 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 6.1% | 6.6% |
States served
| # | State of the business (4 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 311 | $147M | 98.7% | |
| 2 | Delaware | 2 | — | 0.6% | |
| 3 | Illinois | 1 | — | 0.3% | |
| 4 | Maryland | 1 | — | 0.3% |
In Texas the lender accounts for 1.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (39 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Tarrant County, TX | 36 | $20.5M | 11.4% | |
| 2 | Bexar County, TX | 35 | $11.9M | 11.1% | |
| 3 | Hidalgo County, TX | 33 | $2.7M | 10.5% | |
| 4 | Dallas County, TX | 32 | $15.0M | 10.2% | |
| 5 | Harris County, TX | 26 | $16.4M | 8.3% | |
| 6 | Collin County, TX | 22 | $12.9M | 7.0% | |
| 7 | Travis County, TX | 16 | $8.7M | 5.1% | |
| 8 | Denton County, TX | 15 | $5.8M | 4.8% | |
| 9 | Cameron County, TX | 14 | $11.0M | 4.4% | |
| 10 | Parker County, TX | 14 | $2.4M | 4.4% | |
| 11 | Lubbock County, TX | 11 | $3.2M | 3.5% | |
| 12 | Nueces County, TX | 6 | $9.1M | 1.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 50 | 15.9% | |
| 2 | Professional, Scientific, and Technical Services | 38 | 12.1% | |
| 3 | Retail Trade | 34 | 10.8% | |
| 4 | Accommodation and Food Services | 27 | 8.6% | |
| 5 | Other Services (except Public Administration) | 27 | 8.6% | |
| 6 | Construction | 26 | 8.3% | |
| 7 | Manufacturing | 24 | 7.6% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 20 | 6.3% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 23 | 7.3% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 16 | 5.1% | |
| 3 | Child Day Care ServicesNAICS 6244 | 13 | 4.1% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 11 | 3.5% | |
| 5 | Offices of PhysiciansNAICS 6211 | 11 | 3.5% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 11 | 3.5% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 10 | 3.2% | |
| 8 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 9 | 2.9% | |
| 9 | Personal Care ServicesNAICS 8121 | 8 | 2.5% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 8 | 2.5% |
Approval sizes
- $50,000 or less8.6%27
- $50,001 to $150,00047.0%148
- $150,001 to $350,00012.1%38
- $350,001 to $1 million20.6%65
- $1 million to $2 million5.7%18
- Over $2 million6.0%19
Loan terms
- 5 years or less24.8%78
- Over 5 to 10 years57.1%180
- Over 10 to 20 years3.8%12
- Over 20 years14.3%45
Age of the businesses
- Existing, more than 2 years old40.3%127
- New business, 2 years or less27.6%87
- Startup, loan funds will open the business24.4%77
- Change of ownership7.6%24
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 192 | 61.0% | |
| 2 | Preferred Lenders Program | 117 | 37.1% | |
| 3 | 7a General | 5 | 1.6% | |
| 4 | 7(a) WCP | 1 | 0.3% |
Franchise share
47 of 315 approvals in FY2021–FY2025 (14.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Cheeky Monkeys | 6 | 1.9% | |
| 2 | FreeForm Chiropractic | 6 | 1.9% | |
| 3 | The Learning Experience | 2 | 0.6% | |
| 4 | DQ Grill & Chill Operating Agreement | 2 | 0.6% | |
| 5 | Dunkin' | 2 | 0.6% | |
| 6 | Great American Cookies | 2 | 0.6% | |
| 7 | WaveMAX Laundry | 2 | 0.6% | |
| 8 | Crumbl | 2 | 0.6% |
Questions and answers
How many SBA loans does PlainsCapital Bank make?
SBA approved 122 7(a) loans through PlainsCapital Bank in FY2025, worth $45.4M, and 315 over FY2021 to FY2025. That ranks 122nd of 2,184 active 7(a) lenders by number of approvals.
How large are PlainsCapital Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $100K and the average $477K. The program-wide median was $190K.
What is PlainsCapital Bank's charge-off rate?
Of 358 disbursed loans approved in FY2010 to FY2021, SBA records 22 as charged off (6.1%), 271 as paid in full and 65 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to 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 PlainsCapital Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (23); offices of other health practitioners (16); child day care services (13); other amusement and recreation industries (11).
Where does PlainsCapital Bank make SBA loans?
In 4 states and territories. Texas 311, Delaware 2, Illinois 1, Maryland 1. In Texas it accounts for 1.3% of all 7(a) approvals.
Is PlainsCapital Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 255, against 89 in the three before: rising (+187%).
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