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
406
2010–2026
Total Volume
$239M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
406 total segments
The American National Bank of Texas has a strong focus on existing businesses, with 42% of their deals serving this purpose. This could be beneficial if you're looking to acquire or expand an established company.
With an average 7(a) spread of P+2.00%, this lender 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.
The bank has a notable presence in Texas, handling 404 of their 406 total SBA deals there. If you're based in Texas, this lender's local expertise could enhance your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 39 504 loans, which use fixed SBA debenture rates.
States where The American National Bank of Texas has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Auto Repair & Maintenance
Other Services
Finance & Insurance
Finance & Insurance
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for The American National Bank of Texas, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 22 | P+2.63% | $237K | Q3 2022 |
| Texas · Specialty Trade Contractors · $150K – $350K | 7(a) | 15 | P+2.25% | $258K | Q4 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 12 | P+2.00% | $628K | Q3 2025 |
| Texas · Specialty Trade Contractors · $500K – $1M | 7(a) | 11 | P+1.75% | $731K | Q4 2024 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 10 | P+2.00% | $93K | Q4 2021 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 10 | P+2.75% | $432K | Q3 2021 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 8 | P+2.27% | $269K | Q2 2025 |
| Texas · Finance & Insurance · $500K – $1M | 7(a) | 8 | P+1.99% | $798K | Q3 2025 |
| Texas · Retail Trade · Under $150K | 7(a) | 8 | P+2.50% | $95K | Q2 2023 |
| Texas · Physician & Dental Offices · $1M – $2M | 7(a) | 8 | P+1.25% | $1.6M | Q3 2022 |
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+2.38% | $101K | Q3 2025 |
| Texas · Retail Trade · $150K – $350K | 7(a) | 7 | P+2.00% | $227K | Q4 2023 |
| Texas · Education · Under $150K | 7(a) | 7 | P+2.25% | $94K | Q3 2025 |
| Texas · Physician & Dental Offices · $150K – $350K | 7(a) | 7 | P+1.50% | $270K | Q3 2023 |
| Texas · Manufacturing · $350K – $500K | 7(a) | 7 | P+2.00% | $470K | Q3 2021 |
| Texas · Retail Trade · $500K – $1M | 7(a) | 6 | P+1.88% | $785K | Q2 2023 |
| Texas · Miscellaneous Retail · Under $150K | 7(a) | 6 | P+2.50% | $113K | Q3 2024 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 6 | P+2.75% | $86K | Q2 2024 |
| Texas · Finance & Insurance · $150K – $350K | 7(a) | 5 | P+2.75% | $252K | Q1 2017 |
| Texas · Manufacturing · $500K – $1M | 7(a) | 5 | P+2.50% | $688K | Q3 2021 |
| Texas · Engineering & Architecture · Under $150K | 7(a) | 5 | P+2.75% | $107K | Q2 2021 |
| Texas · Accounting & Tax · $150K – $350K | 7(a) | 4 | P+1.88% | $253K | Q4 2019 |
| Texas · Manufacturing · Under $150K | 7(a) | 4 | P+2.25% | $88K | Q3 2021 |
| Texas · Management & IT Consulting · Under $150K | 7(a) | 4 | P+2.38% | $81K | Q1 2025 |
| Texas · Finance & Insurance · Under $150K | 7(a) | 4 | P+2.49% | $47K | Q3 2025 |
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Real experiences from borrowers who closed SBA loans with The American National Bank of Texas.
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