First National Bank Texas
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by First National Bank Texas
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 80 | $30.6M | $382K | 5.8% |
| 811111 | General Automotive Repair | 72 | $23.8M | $331K | 5.2% |
| 238990 | All Other Specialty Trade Contractors | 72 | $1.8M | $25K | 5.2% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 64 | $5.9M | $93K | 4.7% |
| 561720 | Janitorial Services | 56 | $10.6M | $190K | 4.1% |
| 621910 | Ambulance Services | 48 | $1.9M | $39K | 3.5% |
| 238160 | Roofing Contractors | 48 | $3.7M | $78K | 3.5% |
| 561730 | Landscaping Services | 40 | $4.6M | $115K | 2.9% |
| 484110 | General Freight Trucking, Local | 32 | $4.9M | $154K | 2.3% |
| 621210 | Offices of Dentists | 32 | $20.9M | $654K | 2.3% |
Geographic Distribution
SBA lending activity for First National Bank Texas by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 1,312 | $513.9M | 95.3% |
| Arizona (AZ) | 32 | $10.1M | 2.3% |
| Colorado (CO) | 8 | $6.1M | 0.6% |
| Arkansas (AR) | 24 | $495K | 1.7% |
Why Choose First National Bank Texas?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,376 SBA loans approved, totaling $530.6M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, General Automotive Repair, All Other Specialty Trade Contractors
- ✓Competitive Terms: Average interest rate of 5.69% with flexible term lengths averaging 116 months
- ✓Loan Range: Loan sizes from $5K to $4.2M, with an average of $386K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in TX, AZ, AR
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 First National Bank Texas SBA lending
What types of businesses does First National Bank Texas typically finance?
First National Bank Texas specializes in SBA 7(a) lending to specific industries including full-service restaurants, general automotive repair, all other specialty trade contractors, plumbing, heating, and air-conditioning contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are First National Bank Texas's typical SBA loan terms?
First National Bank Texas's SBA 7(a) loans typically feature an average interest rate of 5.69% and average term length of 116 months (approximately 10 years). Loan sizes range from $5K to $4.2M, with an average loan size of $386K.
Do I need a business valuation for a First National Bank Texas SBA loan?
Yes, First National Bank Texas 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 First National Bank Texas compare to other SBA lenders?
First National Bank Texas has originated 1,376 SBA loans totaling $530.6M 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 First National Bank Texas lend in?
First National Bank Texas provides SBA 7(a) financing with particularly strong presence in TX, AZ, AR, CO. 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.
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