Lenders › The Bank of Houston
7(a) lenderHouston, MissouriFDIC-insured bank273rd of 2,184 by approvals
The Bank of Houston
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 126 7(a) loans, worth $96.4M, through The Bank of Houston of Houston, Missouri, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 273rd among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 11 approvals totalling $9.3M, down 52% on FY2024 (23). FY2026 to 30 Jun 2026 adds 16 more.
The median approval was $487K, against $190K for the 7(a) program as a whole; 5.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 19 states and territories and 47 counties, led by Missouri (57.9%), Illinois (15.1%) and Georgia (4.0%). The largest industry group was retail trade at 20.6% of approvals, and 48.4% of approvals were to franchise businesses.
Of 33 disbursed loans approved in FY2010 to FY2021, SBA records 0 as charged off (0.0%), 16 as paid in full and 17 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* | 16 | $16.1M | $848K | $1.0M | 256 |
| FY2025 | 11 | $9.3M | $626K | $846K | 197 |
| FY2024 | 23 | $18.4M | $435K | $802K | 297 |
| FY2023 | 28 | $16.2M | $444K | $580K | 269 |
| FY2022 | 35 | $28.8M | $500K | $823K | 411 |
| FY2021 | 29 | $23.6M | $495K | $813K | 210 |
| FY2020 | 8 | $8.4M | $760K | $1.1M | 69 |
| 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 8 approvals. First approval on file: FY2020.
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 | Missouri | 7(a) program |
|---|---|---|---|
| Approvals in these years | 37 | 11,816 | 639,905 |
| Cancelled or never disbursed | 4 | 1,369 | 79,313 |
| Disbursed loans | 33 | 10,447 | 560,592 |
| Paid in full | 16 | 8,078 | 435,813 |
| Charged off | 0 | 777 | 36,891 |
| Still outstanding (status exempt from disclosure) | 17 | 1,592 | 87,888 |
| Charged off, share of disbursed loans | 0.0% | 7.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.0% | 3.6% | 2.5% |
| Dollars charged off | $0 | $149M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 26 | 10 | 0 | — | 2.8% |
| FY2020 | 7 | 6 | 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 | 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 | $487K | $190K |
| Average approval | $765K | $518K |
| Approvals of $150,000 or less | 5.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 56.3% | 34.3% |
| Approvals to franchise businesses | 48.4% | 11.5% |
| Jobs supported per approval, as reported | 11.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 0.0% | 6.6% |
States served
| # | State of the business (19 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Missouri | 73 | $64.8M | 57.9% | |
| 2 | Illinois | 19 | $14.3M | 15.1% | |
| 3 | Georgia | 5 | $2.1M | 4.0% | |
| 4 | Texas | 3 | $1.8M | 2.4% | |
| 5 | Tennessee | 3 | $1.5M | 2.4% | |
| 6 | Florida | 3 | $1.1M | 2.4% | |
| 7 | North Carolina | 3 | $885K | 2.4% | |
| 8 | Arizona | 2 | — | 1.6% | |
| 9 | California | 2 | — | 1.6% | |
| 10 | South Carolina | 2 | — | 1.6% | |
| 11 | New Jersey | 2 | — | 1.6% | |
| 12 | Michigan | 2 | — | 1.6% |
In Missouri the lender accounts for 1.4% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (47 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | St. Louis County, MO | 34 | $31.6M | 27.0% | |
| 2 | St. Louis city, MO | 16 | $12.1M | 12.7% | |
| 3 | St. Charles County, MO | 12 | $10.7M | 9.5% | |
| 4 | Madison County, IL | 7 | $5.0M | 5.6% | |
| 5 | St. Clair County, IL | 6 | $5.8M | 4.8% | |
| 6 | Cook County, IL | 3 | $1.2M | 2.4% | |
| 7 | Gwinnett County, GA | 3 | $870K | 2.4% | |
| 8 | Marion County, MO | 2 | — | 1.6% | |
| 9 | Horry County, SC | 2 | — | 1.6% | |
| 10 | Hamilton County, TN | 2 | — | 1.6% | |
| 11 | Jefferson County, MO | 2 | — | 1.6% | |
| 12 | Wake County, NC | 2 | — | 1.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 26 | 20.6% | |
| 2 | Accommodation and Food Services | 21 | 16.7% | |
| 3 | Other Services (except Public Administration) | 21 | 16.7% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 11 | 8.7% | |
| 5 | Construction | 9 | 7.1% | |
| 6 | Wholesale Trade | 6 | 4.8% | |
| 7 | Health Care and Social Assistance | 6 | 4.8% | |
| 8 | Arts, Entertainment, and Recreation | 6 | 4.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 15 | 11.9% | |
| 2 | Personal Care ServicesNAICS 8121 | 14 | 11.1% | |
| 3 | Gasoline StationsNAICS 4471 | 7 | 5.6% | |
| 4 | Beer, Wine, and Liquor StoresNAICS 4453 | 7 | 5.6% | |
| 5 | Grocery StoresNAICS 4451 | 6 | 4.8% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 4.8% | |
| 7 | Building Finishing ContractorsNAICS 2383 | 5 | 4.0% | |
| 8 | Traveler AccommodationNAICS 7211 | 4 | 3.2% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 4 | 3.2% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 2.4% |
Approval sizes
- $50,001 to $150,0005.6%7
- $150,001 to $350,00025.4%32
- $350,001 to $1 million47.6%60
- $1 million to $2 million15.1%19
- Over $2 million6.3%8
Loan terms
- 5 years or less0.8%1
- Over 5 to 10 years43.7%55
- Over 10 to 20 years27.8%35
- Over 20 years27.8%35
Age of the businesses
- Existing, more than 2 years old7.1%9
- New business, 2 years or less8.7%11
- Startup, loan funds will open the business47.6%60
- Change of ownership36.5%46
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | 7a General | 120 | 95.2% | |
| 2 | Preferred Lenders Program | 6 | 4.8% |
Franchise share
61 of 126 approvals in FY2021–FY2025 (48.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Massage Luxe | 9 | 7.1% | |
| 2 | Koala Insulation | 3 | 2.4% | |
| 3 | LaVida Massage | 3 | 2.4% | |
| 4 | Paris Baguette | 2 | 1.6% | |
| 5 | American Freight | 2 | 1.6% | |
| 6 | The UPS Store | 2 | 1.6% | |
| 7 | Stretch Lab | 2 | 1.6% | |
| 8 | Quality Inn | 1 | 0.8% |
Questions and answers
How many SBA loans does The Bank of Houston make?
SBA approved 11 7(a) loans through The Bank of Houston in FY2025, worth $9.3M, and 126 over FY2021 to FY2025. That ranks 273rd of 2,184 active 7(a) lenders by number of approvals.
How large are The Bank of Houston's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $487K and the average $765K. The program-wide median was $190K.
What is The Bank of Houston's charge-off rate?
Of 33 disbursed loans approved in FY2010 to FY2021, SBA records 0 as charged off (0.0%), 16 as paid in full and 17 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 Bank of Houston lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (15); personal care services (14); gasoline stations (7); beer, wine, and liquor stores (7).
Where does The Bank of Houston make SBA loans?
In 19 states and territories. Missouri 73, Illinois 19, Georgia 5, Texas 3, Tennessee 3. In Missouri it accounts for 1.4% of all 7(a) approvals.
Is The Bank of Houston's SBA lending rising?
Approvals in the three latest complete fiscal years total 62, against 72 in the three before: falling (-14%).
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