Lenders › The American National Bank of Texas
7(a) lenderTerrell, TexasFDIC-insured bank288th of 2,184 by approvals
The American National Bank of Texas
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.
The American National Bank of Texas, based in Terrell, Texas, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 115 of its 7(a) loans worth $83.6M in FY2021 to FY2025, which places it 288th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 15 approvals totalling $7.2M, up 25% on FY2024 (12). FY2026 to 30 Jun 2026 adds 9 more.
The median approval was $500K, against $190K for the 7(a) program as a whole; 23.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 1 state or territory and 14 counties, led by Texas (100.0%). The largest industry group was construction at 18.3% of approvals, and 25.2% of approvals were to franchise businesses.
Of 262 disbursed loans approved in FY2010 to FY2021, SBA records 13 as charged off (5.0%), 196 as paid in full and 53 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 | $4.3M | $250K | $475K | 120 |
| FY2025 | 15 | $7.2M | $156K | $482K | 169 |
| FY2024 | 12 | $6.6M | $421K | $546K | 109 |
| FY2023 | 12 | $7.4M | $415K | $616K | 157 |
| FY2022 | 28 | $22.7M | $566K | $812K | 407 |
| FY2021 | 48 | $39.7M | $573K | $827K | 945 |
| FY2020 | 9 | $4.0M | $235K | $445K | 177 |
| FY2019 | 13 | $11.2M | $527K | $864K | 219 |
| FY2018 | 23 | $9.5M | $218K | $414K | 213 |
| FY2017 | 32 | $13.7M | $265K | $427K | 762 |
| FY2016 | 39 | $17.7M | $255K | $453K | 857 |
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 116 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 | 298 | 48,931 | 639,905 |
| Cancelled or never disbursed | 36 | 5,758 | 79,313 |
| Disbursed loans | 262 | 43,173 | 560,592 |
| Paid in full | 196 | 31,848 | 435,813 |
| Charged off | 13 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 53 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 5.0% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.7% | 2.9% | 2.5% |
| Dollars charged off | $2.4M | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 43 | 11 | 0 | 0.0% | 2.8% |
| FY2020 | 8 | 3 | 0 | — | 4.0% |
| FY2019 | 11 | 6 | 0 | — | 6.7% |
| FY2018 | 21 | 14 | 0 | — | 7.9% |
| FY2017 | 27 | 24 | 2 | — | 7.7% |
| FY2016 | 29 | 23 | 5 | — | 7.2% |
| FY2015 | 33 | 29 | 4 | 12.1% | 6.9% |
| FY2014 | 35 | 32 | 1 | 2.9% | 6.4% |
| FY2013 | 16 | 16 | 0 | — | 6.0% |
| FY2012 | 12 | 12 | 0 | — | 6.3% |
| FY2011 | 17 | 17 | 0 | — | 6.9% |
| FY2010 | 10 | 9 | 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 | $500K | $190K |
| Average approval | $727K | $518K |
| Approvals of $150,000 or less | 23.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 46.1% | 34.3% |
| Approvals to franchise businesses | 25.2% | 11.5% |
| Jobs supported per approval, as reported | 15.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 5.0% | 6.6% |
States served
| # | State of the business (1 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 115 | $83.6M | 100.0% |
In Texas the lender accounts for 0.5% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (14 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Tarrant County, TX | 30 | $15.3M | 26.1% | |
| 2 | Kaufman County, TX | 20 | $19.8M | 17.4% | |
| 3 | Dallas County, TX | 19 | $17.6M | 16.5% | |
| 4 | Collin County, TX | 18 | $14.9M | 15.7% | |
| 5 | Rockwall County, TX | 7 | $1.9M | 6.1% | |
| 6 | Ellis County, TX | 5 | $3.8M | 4.3% | |
| 7 | Johnson County, TX | 3 | $3.1M | 2.6% | |
| 8 | Hunt County, TX | 3 | $2.0M | 2.6% | |
| 9 | Denton County, TX | 2 | — | 1.7% | |
| 10 | Van Zandt County, TX | 2 | — | 1.7% | |
| 11 | Parker County, TX | 2 | — | 1.7% | |
| 12 | Smith County, TX | 2 | — | 1.7% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 21 | 18.3% | |
| 2 | Retail Trade | 18 | 15.7% | |
| 3 | Accommodation and Food Services | 17 | 14.8% | |
| 4 | Health Care and Social Assistance | 15 | 13.0% | |
| 5 | Manufacturing | 11 | 9.6% | |
| 6 | Other Services (except Public Administration) | 10 | 8.7% | |
| 7 | Professional, Scientific, and Technical Services | 8 | 7.0% | |
| 8 | Real Estate and Rental and Leasing | 4 | 3.5% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 14 | 12.2% | |
| 2 | Offices of PhysiciansNAICS 6211 | 9 | 7.8% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 9 | 7.8% | |
| 4 | Building Material and Supplies DealersNAICS 4441 | 6 | 5.2% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 5 | 4.3% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 4 | 3.5% | |
| 7 | Nonresidential Building ConstructionNAICS 2362 | 3 | 2.6% | |
| 8 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 3 | 2.6% | |
| 9 | Other Fabricated Metal Product ManufacturingNAICS 3329 | 3 | 2.6% | |
| 10 | Architectural, Engineering, and Related ServicesNAICS 5413 | 3 | 2.6% |
Approval sizes
- $50,000 or less4.3%5
- $50,001 to $150,00019.1%22
- $150,001 to $350,00020.0%23
- $350,001 to $1 million34.8%40
- $1 million to $2 million14.8%17
- Over $2 million7.0%8
Loan terms
- 5 years or less0.9%1
- Over 5 to 10 years55.7%64
- Over 10 to 20 years20.0%23
- Over 20 years23.5%27
Age of the businesses
- Existing, more than 2 years old37.4%43
- New business, 2 years or less13.0%15
- Startup, loan funds will open the business33.0%38
- Change of ownership16.5%19
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 83 | 72.2% | |
| 2 | SBA Express Program | 25 | 21.7% | |
| 3 | 7a General | 6 | 5.2% | |
| 4 | Working Capital CAPLine | 1 | 0.9% |
Franchise share
29 of 115 approvals in FY2021–FY2025 (25.2%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Dairy Queen Operating Agreement | 7 | 6.1% | |
| 2 | Ace Hardware | 6 | 5.2% | |
| 3 | Smoothie King | 3 | 2.6% | |
| 4 | Pet Supplies Plus | 2 | 1.7% | |
| 5 | Kid to Kid | 2 | 1.7% | |
| 6 | Jamba | 1 | 0.9% | |
| 7 | Shipley Do-Nut | 1 | 0.9% | |
| 8 | Farmers Insurance Agent Appointment Agreement | 1 | 0.9% |
Questions and answers
How many SBA loans does The American National Bank of Texas make?
SBA approved 15 7(a) loans through The American National Bank of Texas in FY2025, worth $7.2M, and 115 over FY2021 to FY2025. That ranks 288th of 2,184 active 7(a) lenders by number of approvals.
How large are The American National Bank of Texas's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $500K and the average $727K. The program-wide median was $190K.
What is The American National Bank of Texas's charge-off rate?
Of 262 disbursed loans approved in FY2010 to FY2021, SBA records 13 as charged off (5.0%), 196 as paid in full and 53 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 The American National Bank of Texas lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (14); offices of physicians (9); other specialty trade contractors (9); building material and supplies dealers (6).
Where does The American National Bank of Texas make SBA loans?
In 1 state or territory. Texas 115. In Texas it accounts for 0.5% of all 7(a) approvals.
Is The American National Bank of Texas's SBA lending rising?
Approvals in the three latest complete fiscal years total 39, against 85 in the three before: falling (-54%).
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