Lenders › Southwestern National Bank
7(a) lenderHouston, TexasFDIC-insured bank212th of 2,184 by approvals
Southwestern 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.
Southwestern National Bank, based in Houston, Texas, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 180 of its 7(a) loans worth $301M in FY2021 to FY2025, which places it 212th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 67 approvals totalling $108M, up 20% on FY2024 (56). FY2026 to 30 Jun 2026 adds 34 more.
The median approval was $1.3M, against $190K for the 7(a) program as a whole; 0.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 17 states and territories and 69 counties, led by California (42.2%), Texas (35.0%) and Washington (8.3%). The largest industry group was retail trade at 51.1% of approvals, and 30.6% of approvals were to franchise businesses.
Of 58 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (1.7%), 34 as paid in full and 23 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* | 34 | $60.2M | $1.1M | $1.8M | 236 |
| FY2025 | 67 | $108M | $1.3M | $1.6M | 550 |
| FY2024 | 56 | $92.5M | $1.2M | $1.7M | 460 |
| FY2023 | 35 | $60.1M | $1.2M | $1.7M | 236 |
| FY2022 | 6 | $12.3M | $1.8M | $2.1M | 67 |
| FY2021 | 16 | $27.5M | $1.5M | $1.7M | 81 |
| FY2020 | 27 | $36.7M | $1.1M | $1.4M | 191 |
| FY2019 | 16 | $25.1M | $865K | $1.6M | 75 |
| FY2018 | 2 | — | — | — | 17 |
| FY2017 | 3 | $8.2M | $2.5M | $2.7M | 29 |
| 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 48 approvals. First approval on file: FY2017.
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 | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 64 | 79,249 | 639,905 |
| Cancelled or never disbursed | 6 | 10,102 | 79,313 |
| Disbursed loans | 58 | 69,147 | 560,592 |
| Paid in full | 34 | 52,688 | 435,813 |
| Charged off | 1 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 23 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 1.7% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.2% | 1.5% | 2.5% |
| Dollars charged off | $172K | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 12 | 7 | 0 | — | 2.8% |
| FY2020 | 26 | 17 | 1 | — | 4.0% |
| FY2019 | 15 | 5 | 0 | — | 6.7% |
| FY2018 | 2 | 2 | 0 | — | 7.9% |
| FY2017 | 3 | 3 | 0 | — | 7.7% |
| FY2016 | 0 | 0 | 0 | — | 7.2% |
| FY2015 | 0 | 0 | 0 | — | 6.9% |
| FY2014 | 0 | 0 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 0 | 0 | 0 | — | 6.3% |
| FY2011 | 0 | 0 | 0 | — | 6.9% |
| FY2010 | 0 | 0 | 0 | — | 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 | $1.7M | $518K |
| Approvals of $150,000 or less | 0.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 33.9% | 34.3% |
| Approvals to franchise businesses | 30.6% | 11.5% |
| Jobs supported per approval, as reported | 7.7 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 1.7% | 6.6% |
States served
| # | State of the business (17 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 76 | $117M | 42.2% | |
| 2 | Texas | 63 | $108M | 35.0% | |
| 3 | Washington | 15 | $30.3M | 8.3% | |
| 4 | Idaho | 5 | $10.2M | 2.8% | |
| 5 | Oregon | 4 | $4.2M | 2.2% | |
| 6 | Oklahoma | 3 | $7.5M | 1.7% | |
| 7 | Ohio | 2 | — | 1.1% | |
| 8 | Colorado | 2 | — | 1.1% | |
| 9 | Illinois | 2 | — | 1.1% | |
| 10 | Kansas | 1 | — | 0.6% | |
| 11 | Pennsylvania | 1 | — | 0.6% | |
| 12 | Arizona | 1 | — | 0.6% |
In California the lender accounts for 0.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (69 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 34 | $62.1M | 18.9% | |
| 2 | Harris County, TX | 17 | $21.2M | 9.4% | |
| 3 | Orange County, CA | 13 | $9.1M | 7.2% | |
| 4 | Dallas County, TX | 10 | $13.3M | 5.6% | |
| 5 | Riverside County, CA | 8 | $8.4M | 4.4% | |
| 6 | San Bernardino County, CA | 5 | $10.2M | 2.8% | |
| 7 | Brazoria County, TX | 5 | $10.1M | 2.8% | |
| 8 | Kern County, CA | 5 | $8.0M | 2.8% | |
| 9 | Fort Bend County, TX | 3 | $8.6M | 1.7% | |
| 10 | Pierce County, WA | 3 | $8.4M | 1.7% | |
| 11 | Travis County, TX | 3 | $3.0M | 1.7% | |
| 12 | Denton County, TX | 3 | $1.9M | 1.7% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 92 | 51.1% | |
| 2 | Accommodation and Food Services | 45 | 25.0% | |
| 3 | Wholesale Trade | 9 | 5.0% | |
| 4 | Other Services (except Public Administration) | 8 | 4.4% | |
| 5 | Health Care and Social Assistance | 7 | 3.9% | |
| 6 | Manufacturing | 5 | 2.8% | |
| 7 | Real Estate and Rental and Leasing | 3 | 1.7% | |
| 8 | Construction | 3 | 1.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4571 | 45 | 25.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 27 | 15.0% | |
| 3 | Traveler AccommodationNAICS 7211 | 16 | 8.9% | |
| 4 | Grocery StoresNAICS 4451 | 13 | 7.2% | |
| 5 | Beer, Wine, and Liquor StoresNAICS 4453 | 13 | 7.2% | |
| 6 | Gasoline StationsNAICS 4471 | 9 | 5.0% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 3.3% | |
| 8 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 4 | 2.2% | |
| 9 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 4 | 2.2% | |
| 10 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 3 | 1.7% |
Approval sizes
- $50,001 to $150,0000.6%1
- $150,001 to $350,0007.8%14
- $350,001 to $1 million31.7%57
- $1 million to $2 million28.9%52
- Over $2 million31.1%56
Loan terms
- Over 5 to 10 years22.2%40
- Over 10 to 20 years5.6%10
- Over 20 years72.2%130
Age of the businesses
- Existing, more than 2 years old41.7%75
- New business, 2 years or less19.4%35
- Startup, loan funds will open the business14.4%26
- Change of ownership24.4%44
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 169 | 93.9% | |
| 2 | 7a General | 11 | 6.1% |
Franchise share
55 of 180 approvals in FY2021–FY2025 (30.6%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | SEI Fuel Services, Inc | 4 | 2.2% | |
| 2 | Best Western | 3 | 1.7% | |
| 3 | Christensen Inc. dba Powell Product Sales Agreement | 3 | 1.7% | |
| 4 | Nekter Juice Bar | 3 | 1.7% | |
| 5 | AM/PM Mini-Mart Agreement | 2 | 1.1% | |
| 6 | GPM Empire, LLC | 2 | 1.1% | |
| 7 | Sunshine Petroleum Distributors, LLC | 2 | 1.1% | |
| 8 | Boyett Petroleum | 2 | 1.1% |
Questions and answers
How many SBA loans does Southwestern National Bank make?
SBA approved 67 7(a) loans through Southwestern National Bank in FY2025, worth $108M, and 180 over FY2021 to FY2025. That ranks 212th of 2,184 active 7(a) lenders by number of approvals.
How large are Southwestern National Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.3M and the average $1.7M. The program-wide median was $190K.
What is Southwestern National Bank's charge-off rate?
Of 58 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (1.7%), 34 as paid in full and 23 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 Southwestern National Bank lend to most?
By number of approvals in FY2021 to FY2025: gasoline stations (45); restaurants and other eating places (27); traveler accommodation (16); grocery stores (13).
Where does Southwestern National Bank make SBA loans?
In 17 states and territories. California 76, Texas 63, Washington 15, Idaho 5, Oregon 4. In California it accounts for 0.2% of all 7(a) approvals.
Is Southwestern National Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 158, against 49 in the three before: rising (+222%).
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