First National Bank Texas
Headquartered in Killeen, TX. Analysis based on 172 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $66.3M.
Total 7(a) loans
172
Total approved
$66.3M
Average loan
$386K
States funded in
4
Charge-off rate
1.16%
FY2020–FY2023 cohort
Paid-in-full rate
45.35%
Average rate
5.69%
Average term
116 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 10 |
| 811111 | General Automotive Repair | 9 |
| 238990 | All Other Specialty Trade Contractors | 9 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 |
| 561720 | Janitorial Services | 7 |
| 621910 | Ambulance Services | 6 |
| 238160 | Roofing Contractors | 6 |
| 561730 | Landscaping Services | 5 |
| 484110 | General Freight Trucking, Local | 4 |
| 621210 | Offices of Dentists | 4 |
Top 10 states
| State | Loans |
|---|---|
| TX | 164 |
| AZ | 4 |
| AR | 3 |
| CO | 1 |
Top franchise brands financed
17 franchise loans across 10 distinct brands.
| Franchise | Loans |
|---|---|
| ServiceMaster | 3 |
| Subway | 2 |
| Precision Tune Auto Care | 2 |
| Children's Lighthouse Early Le | 2 |
| Tropical Smoothie Cafe | 2 |
| Little Caesars | 2 |
| Cold Stone Creamery | 1 |
| Venture X | 1 |
| AlphaGraphics | 1 |
| Shipley Do-Nut | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.