Lenders › Security State Bank and Trust
7(a) lenderFredericksburg, TexasFDIC-insured bank265th of 2,184 by approvals
Security State Bank and Trust
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 130 7(a) loans, worth $85.5M, through Security State Bank and Trust of Fredericksburg, Texas, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 265th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 18 approvals totalling $8.9M, up 20% on FY2024 (15). FY2026 to 30 Jun 2026 adds 9 more.
The median approval was $450K, against $190K for the 7(a) program as a whole; 20.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 1 state or territory and 31 counties, led by Texas (100.0%). The largest industry group was accommodation and food services at 22.3% of approvals, and 23.1% of approvals were to franchise businesses.
Of 38 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (2.6%), 17 as paid in full and 20 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* | 9 | $4.6M | $284K | $514K | 28 |
| FY2025 | 18 | $8.9M | $413K | $494K | 112 |
| FY2024 | 15 | $9.3M | $465K | $617K | 146 |
| FY2023 | 38 | $24.3M | $332K | $641K | 341 |
| FY2022 | 23 | $18.2M | $612K | $792K | 154 |
| FY2021 | 36 | $24.8M | $500K | $688K | 397 |
| FY2020 | 4 | $1.7M | $321K | $428K | 30 |
| FY2019 | 0 | — | — | — | 0 |
| FY2018 | 0 | — | — | — | 0 |
| FY2017 | 0 | — | — | — | 0 |
| FY2016 | 0 | — | — | — | 0 |
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 4 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 | 47 | 48,931 | 639,905 |
| Cancelled or never disbursed | 9 | 5,758 | 79,313 |
| Disbursed loans | 38 | 43,173 | 560,592 |
| Paid in full | 17 | 31,848 | 435,813 |
| Charged off | 1 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 20 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 2.6% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.4% | 2.9% | 2.5% |
| Dollars charged off | $93K | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 30 | 13 | 0 | 0.0% | 2.8% |
| FY2020 | 3 | 0 | 0 | — | 4.0% |
| FY2019 | 0 | 0 | 0 | — | 6.7% |
| FY2018 | 0 | 0 | 0 | — | 7.9% |
| FY2017 | 0 | 0 | 0 | — | 7.7% |
| FY2016 | 0 | 0 | 0 | — | 7.2% |
| FY2015 | 1 | 1 | 0 | — | 6.9% |
| FY2014 | 0 | 0 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 0 | 0 | 0 | — | 6.3% |
| FY2011 | 2 | 2 | 0 | — | 6.9% |
| FY2010 | 2 | 1 | 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 | $450K | $190K |
| Average approval | $658K | $518K |
| Approvals of $150,000 or less | 20.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 52.3% | 34.3% |
| Approvals to franchise businesses | 23.1% | 11.5% |
| Jobs supported per approval, as reported | 8.8 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.6% | 6.6% |
States served
| # | State of the business (1 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 130 | $85.5M | 100.0% |
In Texas the lender accounts for 0.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (31 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Comal County, TX | 22 | $14.9M | 16.9% | |
| 2 | Gillespie County, TX | 15 | $10.9M | 11.5% | |
| 3 | Williamson County, TX | 13 | $5.0M | 10.0% | |
| 4 | Travis County, TX | 10 | $4.2M | 7.7% | |
| 5 | Montgomery County, TX | 10 | $4.0M | 7.7% | |
| 6 | Kendall County, TX | 6 | $8.3M | 4.6% | |
| 7 | Hays County, TX | 5 | $3.6M | 3.8% | |
| 8 | Harris County, TX | 5 | $3.1M | 3.8% | |
| 9 | Guadalupe County, TX | 5 | $2.7M | 3.8% | |
| 10 | Burnet County, TX | 5 | $2.2M | 3.8% | |
| 11 | Bexar County, TX | 5 | $1.6M | 3.8% | |
| 12 | Kerr County, TX | 3 | $3.1M | 2.3% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 29 | 22.3% | |
| 2 | Other Services (except Public Administration) | 23 | 17.7% | |
| 3 | Manufacturing | 14 | 10.8% | |
| 4 | Retail Trade | 9 | 6.9% | |
| 5 | Arts, Entertainment, and Recreation | 9 | 6.9% | |
| 6 | Construction | 8 | 6.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 7 | 5.4% | |
| 8 | Wholesale Trade | 6 | 4.6% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 18 | 13.8% | |
| 2 | Personal Care ServicesNAICS 8121 | 11 | 8.5% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 10 | 7.7% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 8 | 6.2% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 6 | 4.6% | |
| 6 | Traveler AccommodationNAICS 7211 | 5 | 3.8% | |
| 7 | Other Schools and InstructionNAICS 6116 | 5 | 3.8% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 4 | 3.1% | |
| 9 | Special Food ServicesNAICS 7223 | 3 | 2.3% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 3 | 2.3% |
Approval sizes
- $50,000 or less4.6%6
- $50,001 to $150,00015.4%20
- $150,001 to $350,00020.0%26
- $350,001 to $1 million42.3%55
- $1 million to $2 million12.3%16
- Over $2 million5.4%7
Loan terms
- 5 years or less1.5%2
- Over 5 to 10 years68.5%89
- Over 10 to 20 years9.2%12
- Over 20 years20.8%27
Age of the businesses
- Existing, more than 2 years old30.0%39
- New business, 2 years or less10.0%13
- Startup, loan funds will open the business42.3%55
- Change of ownership17.7%23
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 101 | 77.7% | |
| 2 | 7a General | 23 | 17.7% | |
| 3 | SBA Express Program | 6 | 4.6% |
Franchise share
30 of 130 approvals in FY2021–FY2025 (23.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | iCRYO Franchise System LLC | 6 | 4.6% | |
| 2 | NobiliTea | 3 | 2.3% | |
| 3 | AAMCO Transmissions and Total Car Care | 3 | 2.3% | |
| 4 | Chick N Max | 2 | 1.5% | |
| 5 | Wingstop | 2 | 1.5% | |
| 6 | Universal Windows Direct, LLC | 1 | 0.8% | |
| 7 | Golden Chick | 1 | 0.8% | |
| 8 | Crust Pizza Co | 1 | 0.8% |
Questions and answers
How many SBA loans does Security State Bank and Trust make?
SBA approved 18 7(a) loans through Security State Bank and Trust in FY2025, worth $8.9M, and 130 over FY2021 to FY2025. That ranks 265th of 2,184 active 7(a) lenders by number of approvals.
How large are Security State Bank and Trust's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $450K and the average $658K. The program-wide median was $190K.
What is Security State Bank and Trust's charge-off rate?
Of 38 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (2.6%), 17 as paid in full and 20 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 Security State Bank and Trust lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (18); personal care services (11); automotive repair and maintenance (10); other amusement and recreation industries (8).
Where does Security State Bank and Trust make SBA loans?
In 1 state or territory. Texas 130. In Texas it accounts for 0.6% of all 7(a) approvals.
Is Security State Bank and Trust's SBA lending rising?
Approvals in the three latest complete fiscal years total 71, against 63 in the three before: rising (+13%).
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