American National Bank and Trust
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by American National Bank and Trust
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 24 | $10.1M | $420K | 10.7% |
| 722511 | Full-Service Restaurants | 24 | $17.4M | $725K | 10.7% |
| 541990 | All Other Professional, Scientific, and Technical Services | 16 | $22.8M | $1.4M | 7.1% |
| 561210 | Facilities Support Services | 16 | $5.7M | $356K | 7.1% |
| 445210 | Meat Markets | 16 | $6.8M | $427K | 7.1% |
| 812112 | Beauty Salons | 8 | $2.5M | $318K | 3.6% |
| 445320 | Other | 8 | $10.6M | $1.3M | 3.6% |
| 812990 | All Other Personal Services | 8 | $11.6M | $1.5M | 3.6% |
| 722513 | Limited-Service Restaurants | 8 | $7.8M | $976K | 3.6% |
| 236220 | Commercial and Institutional Building Construction | 8 | $12.0M | $1.5M | 3.6% |
Geographic Distribution
SBA lending activity for American National Bank and Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 216 | $180.9M | 96.4% |
| New Mexico (NM) | 8 | $6.2M | 3.6% |
Why Choose American National Bank and Trust?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 224 SBA loans approved, totaling $187.2M in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, Full-Service Restaurants, All Other Professional, Scientific, and Technical Services
- ✓Competitive Terms: Average interest rate of 7.11% with flexible term lengths averaging 160 months
- ✓Loan Range: Loan sizes from $50K to $2.8M, with an average of $835K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, NM
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about American National Bank and Trust SBA lending
What types of businesses does American National Bank and Trust typically finance?
American National Bank and Trust specializes in SBA 7(a) lending to specific industries including fitness and recreational sports centers, full-service restaurants, all other professional, scientific, and technical services, facilities support services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are American National Bank and Trust's typical SBA loan terms?
American National Bank and Trust's SBA 7(a) loans typically feature an average interest rate of 7.11% and average term length of 160 months (approximately 13 years). Loan sizes range from $50K to $2.8M, with an average loan size of $835K.
Do I need a business valuation for a American National Bank and Trust SBA loan?
Yes, American National Bank and Trust typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does American National Bank and Trust compare to other SBA lenders?
American National Bank and Trust has originated 224 SBA loans totaling $187.2M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does American National Bank and Trust lend in?
American National Bank and Trust provides SBA 7(a) financing with particularly strong presence in TX, NM. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.