SBA lender profile
State Bank of Texas
State Bank of Texas appears in the public SBA loan data with 23 funded 7(a) loans since FY2010, totaling $28.1M, an average of $1.2M per loan, and an estimated 215 jobs supported. Its SBA lending concentrates in Alabama and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 17.4%. 8.7% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 44
- Scale 25
- Activity 18
- Consistency 43
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is State Bank of Texas the right lender for you?
Lenders fund what they know. State Bank of Texas's SBA lending concentrates in Alabama (2 loans) and Accommodation and Food Services (19 loans), at an average loan of $1.2M. If your business does not look like that, a different SBA lender is likely the better fit.
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Bank profile
via FDIC- Total assets
- $2.8B
- Headquarters
- Irving, TX
- FDIC cert
- #27074
- Status
- Active
Where State Bank of Texas lends
Top states by funded SBA volume.
What State Bank of Texas funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 19 | $24.9M |
| Wholesale Trade | 2 | $1.6M |
| Construction | 1 | $1.2M |
| Retail Trade | 1 | $480K |
State Bank of Texas SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 3 | $2.6M |
| 2013 | 1 | $85K |
| 2014 | 1 | $42K |
| 2015 | 1 | $351K |
| 2020 | 1 | $615K |
| 2021 | 13 | $19.0M |
| 2022 | 2 | $5.0M |
| 2024 | 1 | $480K |
Related SBA lenders
Other lenders active in Alabama or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
State Bank of Texas: frequently asked questions
Does State Bank of Texas offer SBA loans?
Yes. State Bank of Texas appears in the public SBA data with 23 funded SBA 7(a) loans totaling $28.1M.
How many SBA loans has State Bank of Texas made?
State Bank of Texas is associated with 23 SBA 7(a) loans totaling $28.1M in the public SBA data (as of 2026-03-31).
What is State Bank of Texas's SBA charge-off rate?
About 17.4% of State Bank of Texas's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does State Bank of Texas do most of its SBA lending?
State Bank of Texas's SBA lending in the data is most concentrated in Alabama, and by industry in Accommodation and Food Services.
Is State Bank of Texas an SBA Preferred Lender (PLP)?
The loan record shows State Bank of Texas operating under PLP delegated authority: 2 of its 7(a) loans (8.7%) were processed through the Preferred Lenders Program, including 1 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). State Bank of Texas SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/state-bank-of-texas/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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