STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
643
2010–2026
Total Volume
$1.1B
Gross loan amounts
States Active
46
With recorded loans
Programs
7(a) & 504
643 total segments
T Bank has a strong focus on existing businesses, with 39% of their deals going to this category. This makes them a solid choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+2.17%, T Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Despite a diverse program mix, T Bank's 504 share is only 9%, which is below the national average of ~18%. If you're specifically looking for a 504 loan, you might want to consider other lenders with a stronger focus in that area.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 55 504 loans, which use fixed SBA debenture rates.
Top 15 of 46 states where T Bank, National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Specialty Trade Contractors
Construction
Gas Stations
Retail Trade
Miscellaneous Retail
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Social Assistance
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for T Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Gas Stations · $2M – $5M | 7(a) | 13 | P+1.50% | $3.6M | Q4 2021 |
| Texas · Gas Stations · $1M – $2M | 7(a) | 10 | P+2.25% | $1.4M | Q1 2022 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 8 | P+2.50% | $1.6M | Q1 2025 |
| Texas · Miscellaneous Retail · $2M – $5M | 7(a) | 7 | P+1.50% | $3.5M | Q3 2025 |
| Texas · Auto Repair & Maintenance · $2M – $5M | 7(a) | 7 | P+1.50% | $3.2M | Q3 2025 |
| California · Auto Repair & Maintenance · $2M – $5M | 504 | 6 | — | $2.8M | Q1 2023 |
| Texas · Auto Repair & Maintenance · $1M – $2M | 7(a) | 6 | P+1.75% | $1.4M | Q2 2025 |
| Texas · Social Assistance · $500K – $1M | 7(a) | 5 | P+1.50% | $709K | Q4 2024 |
| Texas · Hotels & Accommodation · $2M – $5M | 7(a) | 5 | P+1.50% | $3.9M | Q2 2023 |
| Texas · Specialty Trade Contractors · $500K – $1M | 7(a) | 5 | P+2.75% | $722K | Q3 2025 |
| Texas · Hotels & Accommodation · $2M – $5M | 504 | 5 | — | $2.9M | Q4 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+2.50% | $627K | Q2 2025 |
| Texas · Social Assistance · $2M – $5M | 7(a) | 4 | P+1.50% | $2.9M | Q4 2023 |
| Oregon · Nursing & Residential Care · $350K – $500K | 7(a) | 4 | P+2.75% | $423K | Q2 2016 |
| Colorado · Specialty Trade Contractors · $1M – $2M | 7(a) | 4 | P+2.25% | $1.4M | Q3 2025 |
| Oregon · Nursing & Residential Care · $500K – $1M | 7(a) | 4 | P+2.75% | $648K | Q3 2017 |
| Arkansas · Miscellaneous Retail · $2M – $5M | 7(a) | 4 | P+1.50% | $3.7M | Q4 2024 |
| Texas · Retail Trade · $1M – $2M | 7(a) | 4 | P+2.13% | $1.3M | Q3 2025 |
| Arizona · Specialty Trade Contractors · $500K – $1M | 7(a) | 4 | P+2.25% | $890K | Q1 2020 |
| Utah · Social Assistance · $1M – $2M | 7(a) | 4 | P+2.25% | $1.2M | Q1 2022 |
| Arizona · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.50% | $788K | Q4 2019 |
| Nevada · Auto Repair & Maintenance · $2M – $5M | 7(a) | 3 | P+2.00% | $3.2M | Q3 2021 |
| Arizona · Administrative & Waste Services · $500K – $1M | 7(a) | 3 | P+2.00% | $590K | Q1 2020 |
| Arizona · Specialty Trade Contractors · $2M – $5M | 7(a) | 3 | P+2.00% | $3.4M | Q3 2021 |
| Wisconsin · Miscellaneous Retail · $1M – $2M | 7(a) | 3 | P+1.50% | $1.5M | Q1 2024 |
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