Southwestern National Bank: SBA Lending Record

What SBA's own loan files show about Southwestern National Bank as an SBA lender, and how a lender's record bears on a feasibility study.

Southwestern National Bank: the SBA record

276 loans carry Southwestern National Bank as holder across FY2017 to FY2026: $467.8 million gross. In SBA's file, Southwestern National Bank sits in Texas. The 276 loans count as holdings: Southwestern National Bank holds or last held each, per SBA. 276 loans belong to SBA 7(a). Southwestern National Bank has 0 under SBA 504. Southwestern National Bank's range ends with complete FY2026. Southwestern National Bank's record spans 276 loans and $467.8 million gross. SBA, not Southwestern National Bank, stands behind the 276 loans; the figures show holdings, not policy.

Classes at Southwestern National Bank: Gas station and truck stop, 86; Hotel and motel (35); Full-service restaurant (16); Liquor store, 14; Limited-service restaurant, 11; Grocery store, 9; Car wash, 5; Assisted living (without nursing care) at 5; Coffee shop and snack bar at 5. 79 more loans carry no named class, which is why Southwestern National Bank's lines fall short of 276. Of 276 loans, 79 are unclassed and 86 are Gas station and truck stop. Southwestern National Bank's class lines cover part of 276. 35 Hotel and motel loans trail 86 Gas station and truck stop at Southwestern National Bank.

The states behind Southwestern National Bank

Southwestern National Bank shows these states: Texas (114); California, 97; Washington (26); Oregon at 6; Idaho (5); Oklahoma at 5. Texas is also where SBA records Southwestern National Bank, so the book starts at home. 114 of Southwestern National Bank's 276 loans sit in Texas. Southwestern National Bank's table maps 276 loans, no boundary for sites beyond Texas.

Southwestern National Bank outcome floors

Southwestern National Bank's cancelled-after-approval floor reads 12.4% for approvals from FY2017 to FY2024. Ceiling 12.4%, identical to the floor. For Southwestern National Bank, no charge-off rate appears for FY2017 to FY2021 disbursements. Our own test declines to print it on thin cohorts. Do not mistake the blank for zero; no number fills it. 12.4% cancelled means approval is not funding. Southwestern National Bank: no rate, cash flow must hold. For Southwestern National Bank, test one is site demand. For Southwestern National Bank, test two is full project cost. At Southwestern National Bank, test three is debt service coverage. At Southwestern National Bank, test four is the appraisal.

Southwestern National Bank's book gives a lender $467.8 million gross across 276 loans. Southwestern National Bank's book gives a borrower 276 holdings, not terms. The 276 loans cannot show how Southwestern National Bank would treat a request. 86 Gas station and truck stop loans are the largest named line. Southwestern National Bank's holdings are the extent of it. Southwestern National Bank borrowers need a study that stands alone. 276 loans held by Southwestern National Bank are all the file contains.

SBA loans held by Southwestern National 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 FY2026276
Gross dollars approved$467.8 million
SBA 7(a) loans276
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)12.4%
The same, counting loans still undisbursed as cancelled (a ceiling)12.4%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

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 classLoans
Gas station and truck stop86
Not in any of the 39 asset classes79
Hotel and motel35
Full-service restaurant16
Liquor store14
Limited-service restaurant11
Grocery store9
Car wash5
Assisted living (without nursing care)5
Coffee shop and snack bar5

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 areaLoans
Texas114
California97
Washington26
Oregon6
Idaho5
Oklahoma5

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-34319.

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 Southwestern National Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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