Feasibility Study Data for the Killeen-Temple, TX Metro Area

A hotel-led record around a military county

Killeen-Temple records 507 loans and $291.7 million from FY2017 to FY2026, ranking 163 of 928. Lodging is on top: hotel and motel has 31 loans, with full-service restaurant at 22 and limited-service restaurant at 21 behind it. Gas station and truck stop, automotive mechanical repair and beauty salon share 14 each. Franchise brands account for 21.9% of loans. A further 323 loans fall in no tracked class. Bell County, TX holds 446 loans, Lampasas County, TX 33 and Coryell County, TX 28.

Median borrowing of $250,000 stands at 1.20x the national figure; most loans range from $95,000 to $607,000. Of the total, 483 are 7(a) and 24 are 504, and the only 504 holder listed is Capital Certified Development Corporation, holding 9 loans for $13.2 million. A project needing a 504 structure will find little local precedent. Lampasas County's 33 loans and Coryell County's 28 are thin beside Bell County's 446, so a project outside Bell County has little local precedent to cite.

Holders

What follows is drawn from SBA's holder entries; they pin loans to institutions, and policy lies outside them. First National Bank Texas holds 58 7(a) loans worth $13.4 million. The Huntington National Bank holds 33 worth $21.5 million, Northeast Bank (ME) 24 worth $3.6 million, PNC Bank, National Association 23 and Wells Fargo Bank National Association 22. Dollars per loan at The Huntington National Bank are well above those of First National Bank Texas.

Cancellations after approval reached at least 11.6% of the FY2024 and earlier approvals. SBA holds back the matching ceiling and also the five-year charge-off figure, given how small the cohorts are; neither receives a number here and neither is nil. Charge-offs stand at 5.1% to date across 215 funded loans, a floor. Volume rose from 42 loans in FY2017 to 68 loans and $47.7 million in FY2025.

What a Killeen study has to show

A study should test whether demand for the use depends on a base population that can change, rather than on a stable resident market, and whether the lodging and restaurant supply already financed leaves room. Cost, debt service coverage under the stated floor and the appraisal complete the work. County lines follow the 2023 delineation. Lenders and borrowers can read this as background only; it forecasts no approval.