PlainsCapital Bank: a Texas-only record

PlainsCapital Bank is credited in SBA's public file with 507 loans approved between FY2017 and FY2026, for $273.5 million in gross dollars. Every one is 7(a); 504 is empty. Of the 507, 499 sit in Texas, the only state on the list, so this is a Texas record in all but name. These are holdings as SBA reports them, with no suggestion about how the bank evaluates a request.

Class counts

385 loans lie outside the asset classes, so the classed portion is small. Full-service restaurant has 24, child care center 15, medical office (physicians) 13, limited-service restaurant 10 and fitness center 9, with car and truck repair at 8. Counts this low show that such loans appear in the file and little more. A child care study, for instance, has to test enrolment demand, staffing cost and licensing, since the building is only part of the project.

Cancellation, charge-offs and a zero that is real

Cancellation took 7.2% of the approvals of FY2017 through FY2024, a floor, and no ceiling is printed. Of 121 loans in the FY2017 to FY2021 cohort, 4.1% are charge-offs so far (a floor), while the figure within five years of approval prints as 0.00%. That 0.00% is a measured value on 121 loans, not a withheld one. A cohort of 121 is small, though, and loans disbursed in later years are not in it. Charge-offs can still occur, and floors can rise.

One state, so the state study matters most

A record that sits wholly in Texas says a great deal about one state and nothing about any other. A Texas borrower should still not mistake presence for suitability: the study has to examine the specific trade area, because a statewide tally says nothing about one corridor or one city.

What the study adds

The study supplies what no lender page can: customer demand at the site, a cost estimate built from local bids and comparable work, a payment-coverage test under reduced sales and an appraisal grounded in sales and income evidence. Present it to any lender, and read the lender's SBA file only as background.

SBA loans held by PlainsCapital Bank

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026	507
Gross dollars approved	$273.5 million
SBA 7(a) loans	507
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	7.2%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	4.1%
Charged off within five years of approval	0.00%
Loans in that cohort	121

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	385
Full-service restaurant	24
Child care center	15
Medical office (physicians)	13
Limited-service restaurant	10
Fitness center	9
Automotive mechanical repair (car and truck)	8
Coffee shop and snack bar	6

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or area	Loans
Texas	499

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-17491.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by PlainsCapital Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

PlainsCapital Bank: SBA Lending Record