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
92
2012–2024
Total Volume
$26M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
92 total segments
The First National Bank of Ballinger has a notable focus on existing businesses, with 46% of their deals supporting established companies. This could be beneficial if you're looking to expand or refinance a current operation.
With an average 7(a) spread of P+2.27%, 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 lender's growth trend shows a significant decline of 57% year-over-year in deal volume, which may indicate a tightening of lending conditions. This could make it harder for new borrowers to secure loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 12 504 loans, which use fixed SBA debenture rates.
States where The First National Bank of Ballinger has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Hotels & Accommodation
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Administrative & Waste Services
Administrative & Waste Services
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for The First National Bank of Ballinger, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 10 | P+2.25% | $47K | Q4 2022 |
| Texas · Manufacturing · Under $150K | 7(a) | 6 | P+2.13% | $59K | Q3 2021 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 5 | P+2.50% | $244K | Q4 2022 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+1.88% | $197K | Q2 2021 |
| Texas · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.75% | $230K | Q4 2017 |
| Texas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+1.50% | $92K | Q1 2024 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.75% | $61K | Q3 2020 |
| Texas · Restaurants & Food Service · $150K – $350K | 504 | 3 | — | $258K | Q1 2020 |
| Texas · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+2.00% | $95K | Q3 2020 |
| Texas · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+1.63% | $285K | Q3 2020 |
| Texas · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.00% | $62K | Q2 2018 |
| Texas · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+4.63% | $40K | Q4 2011 |
| Texas · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.00% | $233K | Q1 2021 |
| Texas · Wholesale Trade · Under $150K | 7(a) | 2 | P+3.00% | $72K | Q1 2017 |
| Texas · Specialty Trade Contractors · Under $150K | 504 | 2 | — | $97K | Q3 2015 |
| Texas · Mining & Oil/Gas · Under $150K | 7(a) | 2 | P+2.25% | $50K | Q1 2023 |
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $612K | Q2 2018 |
| Texas · Hotels & Accommodation · $150K – $350K | 7(a) | 2 | P+1.75% | $235K | Q1 2021 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+1.88% | $107K | Q3 2018 |
| Texas · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.63% | $71K | Q2 2016 |
| Texas · Manufacturing · $500K – $1M | 7(a) | 1 | P+1.50% | $719K | Q3 2021 |
| Texas · Wholesale Trade · $1M – $2M | 7(a) | 1 | P+2.50% | $1.3M | Q4 2014 |
| Texas · Transportation & Warehousing · $150K – $350K | 7(a) | 1 | P+1.50% | $277K | Q3 2020 |
| Texas · Information & Media · $1M – $2M | 7(a) | 1 | P+1.75% | $1.3M | Q1 2021 |
| Texas · Other Services · $500K – $1M | 7(a) | 1 | P+2.00% | $525K | Q1 2017 |
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Real experiences from borrowers who closed SBA loans with The First National Bank of Ballinger.
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