STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
218
2018–2023
Total Volume
$87M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
218 total segments
First National Bank Texas has a strong focus on existing businesses, with 60% of their deals supporting established companies. This could be beneficial if you're looking to expand or refinance an existing operation.
The bank's average 7(a) spread of P+1.83% is notably lower than the national median of ~P+2.75%. This could mean more favorable loan terms for you compared to other lenders.
Despite a solid volume of $87M across 218 deals, First National Bank Texas has seen a significant decline in growth, with a -91% year-over-year drop. This trend may impact their willingness to lend or the speed of processing your application.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 18 504 loans, which use fixed SBA debenture rates.
States where First National Bank Texas has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Other Health Practitioners
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for First National Bank Texas, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 20 | P+1.60% | $43K | Q2 2022 |
| Texas · Administrative & Waste Services · Under $150K | 7(a) | 13 | P+2.00% | $111K | Q1 2023 |
| Texas · Manufacturing · Under $150K | 7(a) | 9 | P+3.25% | $66K | Q2 2021 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.25% | $47K | Q4 2021 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 8 | P+3.38% | $54K | Q3 2022 |
| Texas · Auto Repair & Maintenance · Under $150K | 7(a) | 7 | P+1.75% | $86K | Q2 2021 |
| Texas · Transportation & Warehousing · Under $150K | 7(a) | 7 | P+2.00% | $81K | Q2 2022 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+1.75% | $442K | Q1 2022 |
| Texas · Administrative & Waste Services · $150K – $350K | 7(a) | 6 | P+4.25% | $217K | Q2 2023 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 6 | P+2.25% | $269K | Q4 2021 |
| Texas · Wholesale Trade · Under $150K | 7(a) | 5 | P+2.50% | $105K | Q1 2022 |
| Texas · Real Estate · $1M – $2M | 7(a) | 4 | P+0.95% | $1.3M | Q3 2021 |
| Texas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.25% | $72K | Q4 2021 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+1.13% | $240K | Q1 2022 |
| Arkansas · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+4.50% | $21K | Q1 2022 |
| Texas · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+1.31% | $242K | Q2 2021 |
| Texas · Hotels & Accommodation · $350K – $500K | 7(a) | 3 | P+1.25% | $413K | Q3 2021 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+0.88% | $225K | Q2 2019 |
| Texas · Physician & Dental Offices · $500K – $1M | 7(a) | 2 | P+1.18% | $751K | Q2 2022 |
| Texas · Education · $150K – $350K | 7(a) | 2 | P+2.25% | $227K | Q1 2021 |
| Texas · Real Estate · Under $150K | 7(a) | 2 | P+0.50% | $58K | Q3 2021 |
| Texas · Engineering & Architecture · $150K – $350K | 7(a) | 2 | P+0.88% | $213K | Q4 2021 |
| Texas · Education · Under $150K | 7(a) | 2 | P+3.75% | $70K | Q2 2021 |
| Texas · Wholesale Trade · $350K – $500K | 7(a) | 2 | P+2.50% | $470K | Q1 2022 |
| Texas · Administrative & Waste Services · $500K – $1M | 7(a) | 2 | P+1.13% | $772K | Q3 2021 |
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Real experiences from borrowers who closed SBA loans with First National Bank Texas.
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