T Bank, National Association: SBA Lending Record

T Bank, National Association: the loans SBA attributes to it

SBA's public file attributes 563 loans to T Bank, National Association, each approved at some point from FY2017 to FY2026 and together worth $974.0 million in gross dollars. The program split puts all 563 loans in 7(a) and none in 504. It is a modest count carrying a large dollar total, yet no average loan size is given here, and the ratio supports no conclusion. As elsewhere on the site, the loans are those the bank holds or last held by SBA's record, and nothing here speaks to who wrote them or what the bank asks of applicants.

Fuel stops lead the classed loans

346 loans have no place in the asset classes. Of the remainder, gas station and truck stop is far ahead with 61 loans. Full-service restaurant and child care center follow at 22 each, then automotive mechanical repair (car and truck) at 18, with car wash and limited-service restaurant at 15 each. A reader weighing a fuel or car wash project can see that such loans do appear in this file, in the numbers given. A study for either project has to answer questions the file cannot: how many vehicles pass the site, what the competing stations and washes charge and sell, how long construction takes, and whether net income leaves room above the payment.

Texas first, then Utah and Arizona

Texas carries 188 loans. Utah follows with 57, Arizona with 42, Colorado with 32 and California with 28. Florida has 22 and Nevada 20. One state accounts for the largest share by far, though the remaining states show that the file reaches well beyond it.

What is printed, and what is not

For approvals dated FY2017 to FY2024, 8.8% ended in cancellation, and that is a floor. Its ceiling is not printed, because Loan Analytics leaves it unprinted under a rule of its own. The page also lacks a charge-off rate for the earliest disbursed cohort, FY2017 to FY2021, so a reader gets only the cancellation side of the story. Missing figures are not zeros and should not be guessed. Without a charge-off rate, this page cannot say how loans in the book fared after disbursement.

A lender record is context for the study

Anyone preparing a request will want to know which institutions hold loans like theirs, and this record answers a little of that. It leaves everything else to the study: the demand that supports revenue, the cost of land, building and equipment, a coverage test for the payment under a weaker year, and an appraisal grounded in evidence. Strong counts here would promise nothing about an answer, and weak ones would prove nothing against a good project.