Feasibility Study Data for the Granbury, TX Micro Area

The Granbury record in brief

For Granbury, SBA's own files list 114 approvals over FY2017 to FY2026, totalling $83.5 million in gross approvals. Granbury lands across all such areas nationwide, on approval count, number 445 of 928. The core of Granbury lending sits between $120,350 and $927,600, with a median near $434,700; that puts the median at 2.09x the national median. Around Hood County, TX, SBA 7(a) carries 105 loans, against 9 under SBA 504. Franchises make up 21.1% of approvals.

Granbury: where loans cluster

Worth noting, among the listed classes we name for Granbury, full-service restaurant is largest with 7 loans, and then limited-service restaurant, 7 loans and self storage with 5. Another 73 loans in Granbury sit outside every class. Every loan in Granbury falls in Hood County, TX, at 114 loans, so a feasibility study around Granbury a single-county exercise.

Granbury: lenders on record

Institutions shown for Granbury are found in SBA's published Granbury records of the 114 approvals in Granbury, by present or former holder; such records assign each holder but offer nothing on lender practice. Further, on the 7(a) side around Hood County, TX, SBA's records name PNC Bank, National Association (10 loans, $4.3 million), followed by Live Oak Banking Company at 8 loans and $10.7 million. A borrower near Hood County, TX should ask the Granbury lender PNC Bank, National Association or other Granbury holders near Hood County, TX what evidence it expects, then fit the Granbury study around those requests.

Granbury: outcomes and calendar

Next, no charge-off rate for Granbury is not published on this page, since too few Granbury loans were paid out. That gap, near Hood County, TX, cannot be read as a clean record. Worth noting, on the calendar, Granbury peaked in FY2025 at 18 loans and $4.5 million, and was weakest in FY2026 at 6 loans and $7.1 million.

Granbury: what a study tests

For Granbury, begin with demand: who passes in Hood County, TX, who commutes in, measured against Granbury overall, and what gap the 7 full-service restaurant loans leave. Cost next: $434,700 is the Granbury median and $120,350 to $927,600 the middle band, so a Hood County, TX site must justify its budget against this $434,700 benchmark. Then coverage: Granbury coverage outlasts a soft year against the cancellation floor, which is withheld here for lack of loans, with the charge-off rate for Granbury, which is also withheld since the cohort is thin. The Hood County, TX appraisal needs to agree with the figure the loan uses. Granbury applies the July 2023 delineation; any loan whose listed county is unmapped is missing from all areas, Granbury as well, yet the totals include loans not in the classes named.