Frost Bank
Headquartered in SAN ANTONIO, TX. Analysis based on 550 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $351.7M.
Total 7(a) loans
550
Total approved
$351.7M
Average loan
$639K
States funded in
6
Charge-off rate
1.35%
FY2020–FY2023 cohort
Paid-in-full rate
22.43%
Average rate
7.37%
Average term
148 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 29 |
| 722511 | Full-Service Restaurants | 26 |
| 722513 | Limited-Service Restaurants | 25 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 20 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 17 |
| 624410 | Child Day Care Services | 16 |
| 541110 | Offices of Lawyers | 11 |
| 812112 | Beauty Salons | 9 |
| 541330 | Engineering Services | 8 |
| 524210 | Insurance Agencies and Brokerages | 8 |
Top 10 states
| State | Loans |
|---|---|
| TX | 541 |
| OK | 4 |
| CO | 2 |
| NC | 1 |
| MO | 1 |
| LA | 1 |
Top franchise brands financed
107 franchise loans across 74 distinct brands.
| Franchise | Loans |
|---|---|
| KidStrong | 5 |
| Buttermilk Sky Pie Shop | 5 |
| Fastest Labs | 5 |
| The UPS Store (f/k/a Mail Box | 4 |
| Chicken Salad Chick | 3 |
| Madabolic | 3 |
| Anytime Fitness | 2 |
| Jersey Mike's | 2 |
| Crushr | 2 |
| CROM Rehabilitation (formerly | 2 |
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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.