Lenders › The MINT National Bank
7(a) lenderKingwood, TexasFDIC-insured bank329th of 2,184 by approvals
The MINT 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.
The MINT National Bank (Kingwood, Texas) is an FDIC-insured bank in the SBA 7(a) program, 329th of 2,184 by approvals in FY2021 to FY2025: 94 loans worth $186M.
In FY2025, the latest complete fiscal year, it had 10 approvals totalling $21.8M. FY2026 to 30 Jun 2026 adds 3 more.
The median approval was $1.3M, against $190K for the 7(a) program as a whole; 1.1% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 18 states and territories and 55 counties, led by Texas (52.1%), Florida (11.7%) and Georgia (7.4%). The largest industry group was retail trade at 50.0% of approvals, and 54.3% of approvals were to franchise businesses.
Of 222 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (0.5%), 144 as paid in full and 77 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* | 3 | $5.7M | $1.9M | $1.9M | 2 |
| FY2025 | 10 | $21.8M | $2.0M | $2.2M | 100 |
| FY2024 | 6 | $11.5M | $1.5M | $1.9M | 31 |
| FY2023 | 16 | $31.4M | $1.4M | $2.0M | 130 |
| FY2022 | 20 | $44.5M | $1.6M | $2.2M | 210 |
| FY2021 | 42 | $76.9M | $1.2M | $1.8M | 374 |
| FY2020 | 41 | $96.5M | $2.3M | $2.4M | 393 |
| FY2019 | 24 | $35.5M | $938K | $1.5M | 203 |
| FY2018 | 28 | $34.4M | $940K | $1.2M | 215 |
| FY2017 | 47 | $72.0M | $1.1M | $1.5M | 520 |
| FY2016 | 27 | $44.9M | $1.2M | $1.7M | 134 |
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 167 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 | 246 | 48,931 | 639,905 |
| Cancelled or never disbursed | 24 | 5,758 | 79,313 |
| Disbursed loans | 222 | 43,173 | 560,592 |
| Paid in full | 144 | 31,848 | 435,813 |
| Charged off | 1 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 77 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 0.5% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.1% | 2.9% | 2.5% |
| Dollars charged off | $398K | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 37 | 20 | 0 | 0.0% | 2.8% |
| FY2020 | 35 | 21 | 0 | 0.0% | 4.0% |
| FY2019 | 23 | 11 | 0 | — | 6.7% |
| FY2018 | 27 | 14 | 0 | — | 7.9% |
| FY2017 | 42 | 30 | 0 | 0.0% | 7.7% |
| FY2016 | 27 | 23 | 1 | — | 7.2% |
| FY2015 | 21 | 17 | 0 | — | 6.9% |
| FY2014 | 7 | 5 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 0 | 0 | 0 | — | 6.3% |
| FY2011 | 1 | 1 | 0 | — | 6.9% |
| FY2010 | 2 | 2 | 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 | $2.0M | $518K |
| Approvals of $150,000 or less | 1.1% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 43.6% | 34.3% |
| Approvals to franchise businesses | 54.3% | 11.5% |
| Jobs supported per approval, as reported | 9.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 0.5% | 6.6% |
States served
| # | State of the business (18 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 49 | $109M | 52.1% | |
| 2 | Florida | 11 | $20.0M | 11.7% | |
| 3 | Georgia | 7 | $21.3M | 7.4% | |
| 4 | New Jersey | 5 | $4.9M | 5.3% | |
| 5 | Ohio | 4 | $3.7M | 4.3% | |
| 6 | Pennsylvania | 3 | $5.0M | 3.2% | |
| 7 | Mississippi | 2 | — | 2.1% | |
| 8 | Tennessee | 2 | — | 2.1% | |
| 9 | Indiana | 2 | — | 2.1% | |
| 10 | Maryland | 1 | — | 1.1% | |
| 11 | Illinois | 1 | — | 1.1% | |
| 12 | Alabama | 1 | — | 1.1% |
In Texas the lender accounts for 0.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (55 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Harris County, TX | 21 | $42.5M | 22.3% | |
| 2 | Montgomery County, TX | 4 | $12.1M | 4.3% | |
| 3 | Fort Bend County, TX | 3 | $11.3M | 3.2% | |
| 4 | McLennan County, TX | 3 | $4.4M | 3.2% | |
| 5 | Galveston County, TX | 3 | $3.7M | 3.2% | |
| 6 | Brazoria County, TX | 3 | $2.9M | 3.2% | |
| 7 | Cuyahoga County, OH | 3 | $2.9M | 3.2% | |
| 8 | Indian River County, FL | 2 | — | 2.1% | |
| 9 | Chatham County, GA | 2 | — | 2.1% | |
| 10 | Glynn County, GA | 2 | — | 2.1% | |
| 11 | Matagorda County, TX | 2 | — | 2.1% | |
| 12 | Putnam County, FL | 2 | — | 2.1% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 47 | 50.0% | |
| 2 | Accommodation and Food Services | 37 | 39.4% | |
| 3 | Other Services (except Public Administration) | 2 | 2.1% | |
| 4 | Health Care and Social Assistance | 2 | 2.1% | |
| 5 | Wholesale Trade | 1 | 1.1% | |
| 6 | Arts, Entertainment, and Recreation | 1 | 1.1% | |
| 7 | Transportation and Warehousing | 1 | 1.1% | |
| 8 | Professional, Scientific, and Technical Services | 1 | 1.1% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 31 | 33.0% | |
| 2 | Gasoline StationsNAICS 4471 | 21 | 22.3% | |
| 3 | Gasoline StationsNAICS 4571 | 19 | 20.2% | |
| 4 | Grocery StoresNAICS 4451 | 4 | 4.3% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 4.3% | |
| 6 | Beer, Wine, and Liquor StoresNAICS 4453 | 2 | 2.1% | |
| 7 | Furniture StoresNAICS 4421 | 1 | 1.1% | |
| 8 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 1 | 1.1% | |
| 9 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 1 | 1.1% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 1 | 1.1% |
Approval sizes
- $50,001 to $150,0001.1%1
- $150,001 to $350,0003.2%3
- $350,001 to $1 million33.0%31
- $1 million to $2 million23.4%22
- Over $2 million39.4%37
Loan terms
- Over 5 to 10 years5.3%5
- Over 10 to 20 years2.1%2
- Over 20 years92.6%87
Age of the businesses
- Existing, more than 2 years old22.3%21
- New business, 2 years or less11.7%11
- Startup, loan funds will open the business31.9%30
- Change of ownership34.0%32
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 89 | 94.7% | |
| 2 | 7a General | 5 | 5.3% |
Franchise share
51 of 94 approvals in FY2021–FY2025 (54.3%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Clarksville Oil and Gas Co. LTD | 3 | 3.2% | |
| 2 | Alexander Oil Company | 2 | 2.1% | |
| 3 | Red Roof Inn | 2 | 2.1% | |
| 4 | Clarion Inn | 2 | 2.1% | |
| 5 | Speedy Stop Food Stores, LLC dba Thomas Fuels | 2 | 2.1% | |
| 6 | Sunoco, LLC | 2 | 2.1% | |
| 7 | GPM Empire, LLC | 2 | 2.1% | |
| 8 | Gas Stations USA Petroleum Inc. | 2 | 2.1% |
Questions and answers
How many SBA loans does The MINT National Bank make?
SBA approved 10 7(a) loans through The MINT National Bank in FY2025, worth $21.8M, and 94 over FY2021 to FY2025. That ranks 329th of 2,184 active 7(a) lenders by number of approvals.
How large are The MINT National Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.3M and the average $2.0M. The program-wide median was $190K.
What is The MINT National Bank's charge-off rate?
Of 222 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (0.5%), 144 as paid in full and 77 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 MINT National Bank lend to most?
By number of approvals in FY2021 to FY2025: traveler accommodation (31); gasoline stations (21); gasoline stations (19); grocery stores (4).
Where does The MINT National Bank make SBA loans?
In 18 states and territories. Texas 49, Florida 11, Georgia 7, New Jersey 5, Ohio 4. In Texas it accounts for 0.2% of all 7(a) approvals.
Is The MINT National Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 32, against 103 in the three before: falling (-69%).
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