Texas Capital Bank: SBA Lending Record
What SBA's own loan files show about Texas Capital Bank as an SBA lender, and how a lender's record bears on a feasibility study.
Gross approvals for Texas Capital Bank total $383.3 million on 258 loans, FY2017 to FY2026. 258 loans, all in 7(a), stand against Texas Capital Bank; none are 504. For 258 loans, SBA's record names Texas Capital Bank as the lender. Texas Capital Bank does not guarantee 258 loans; SBA does.
What Texas Capital Bank holds, by class and state
Texas Capital Bank ranks by loans as Child care center, 18, Full-service restaurant, 14 and Limited-service restaurant, 11. The largest Texas Capital Bank group, 180 loans, fits no tracked class. Texas Capital Bank's state counts: Texas, 221, Arizona, 7, California, 5 and Louisiana, 5 loans.
Texas Capital Bank loans after approval
Texas Capital Bank: among FY2017 to FY2024 approvals, 7.2% were cancelled after approval, a floor. 7.2% is the Texas Capital Bank ceiling, counting undisbursed approvals as cancelled. 4.0% is the Texas Capital Bank charge-off floor. The cohort of 126 Texas Capital Bank loans was disbursed in FY2017 to FY2021. Texas Capital Bank five-year charge-offs: withheld, not zero. Texas Capital Bank: each rate is the least SBA shows.
Texas Capital Bank record and a borrower's study
Texas Capital Bank counts 18 loans in the Child care center class. Texas Capital Bank study must prove staffing ratios. 18 Child care center loans do not settle licensed capacity. Texas Capital Bank study also needs building cost. Texas Capital Bank: 14 loans in the Full-service restaurant class. Texas Capital Bank study needs site traffic. Texas Capital Bank: comparable sales remains open across 14 Full-service restaurant loans. Texas Capital Bank total of $383.3 million says nothing about any one site. Texas Capital Bank also has 180 loans in no tracked class. At Texas Capital Bank, the project must carry the case. For 221 Texas Capital Bank loans in Texas, local evidence still decides. Texas Capital Bank should be asked directly what it needs. 258 loans at Texas Capital Bank do not measure demand at one site. Texas Capital Bank totals trail supply near the site. Texas Capital Bank study revenue assumptions need written support. Texas Capital Bank request needs build cost from quotes. Texas Capital Bank request: coverage holds on cautious revenue. Texas Capital Bank history cannot stand in for an appraisal. Texas Capital Bank study needs a downside case in writing. Texas Capital Bank: state assumptions, test coverage, support value. Texas Capital Bank carries $383.3 million in gross approvals on 258 loans. Texas Capital Bank equity belongs in the study.
Texas Capital Bank cancellation floors stop at FY2024 approvals. Texas Capital Bank totals take in FY2025 and FY2026 approvals. Texas Capital Bank cohort: 126 loans disbursed in FY2017 to FY2021. Texas Capital Bank figures describe loans held, not lender practices. 258 loans cannot predict one new request to Texas Capital Bank. For Texas Capital Bank, a withheld value is never a zero.
SBA loans held by Texas Capital 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 | 258 |
|---|---|
| Gross dollars approved | $383.3 million |
| SBA 7(a) loans | 258 |
| 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) | 7.2% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.0% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 126 |
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 | 180 |
| Child care center | 18 |
| Full-service restaurant | 14 |
| Limited-service restaurant | 11 |
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 | 221 |
| Arizona | 7 |
| California | 5 |
| Louisiana | 5 |
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-34383.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study company
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