The American National Bank of Texas: SBA business acquisition lending record
The American National Bank of Texas (home state TX) approved 30 SBA 7(a) loans to buy existing businesses since FY2018, totaling $29.6M. The median loan was $800,550. It ranks number 255 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $252,900 and $1,162,750. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Texas is the largest state (100% of loans). Loans appear in only 1 states, which points to a regional lender.
- Industry concentration. All Other Specialty Trade Contractors is 10% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 118 SBA 7(a) loans of any purpose since FY2020, totaling $82.3M. 87% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 13% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Too few of its loans are old enough to measure a charge-off rate.
The American National Bank of Texas acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 8 | $4.7M | $572,500 | |
| FY2019 | 3 | $3.4M | $1,126,000 | |
| FY2020 | 1 | $308K | $308,000 | |
| FY2021 | 6 | $14M | $2,178,250 | |
| FY2022 | 1 | $230K | $229,500 | |
| FY2023 | 2 | $2.1M | $1,045,800 | |
| FY2024 | 3 | $1.9M | $819,000 | |
| FY2025 | 5 | $2.8M | $555,000 | |
| FY2026 | 1 | $255K | $255,000 |
How often do these acquisition loans fail?
Fewer than 20 The American National Bank of Texas acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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States served
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 30 | 100.0% | $29.6M |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | All Other Specialty Trade Contractors | 3 | 10.0% | $4.1M | |
| 2 | Insurance Agencies and Brokerages | 3 | 10.0% | $2.7M | |
| 3 | Electrical Contractors and Other Wiring Installation Contractors | 3 | 10.0% | $914K | |
| 4 | Hardware Retailers | 2 | 6.7% | $2.6M | |
| 5 | Hardware Merchant Wholesalers | 2 | 6.7% | $1.1M | |
| 6 | Commercial and Institutional Building Construction | 1 | 3.3% | $5M | |
| 7 | All Other Miscellaneous Fabricated Metal Product Manufacturing | 1 | 3.3% | $3M | |
| 8 | Fitness and Recreational Sports Centers | 1 | 3.3% | $1.5M | |
| 9 | Nursery, Garden Center, and Farm Supply Retailers | 1 | 3.3% | $1.4M | |
| 10 | All Other Miscellaneous Manufacturing | 1 | 3.3% | $1.2M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Ace Hardware | 2 | 6.7% | $2.6M |
Questions buyers ask
Does The American National Bank of Texas make SBA acquisition loans?
Yes. The American National Bank of Texas approved 30 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 255 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are The American National Bank of Texas's acquisition loans?
The median was $800,550, with the middle half between $252,900 and $1,162,750. The national median is $645,250, so this lender's typical loan is 24% higher than the national figure.
Which states does The American National Bank of Texas lend in?
Texas (30). Its loans appear in 1 states, so it is closer to a regional lender.
Which industries does The American National Bank of Texas finance?
All Other Specialty Trade Contractors (3), Insurance Agencies and Brokerages (3), Electrical Contractors and Other Wiring Installation Contractors (3), Hardware Retailers (2), Hardware Merchant Wholesalers (2). The top industry is 10% of its acquisition loans.
How have The American National Bank of Texas's acquisition loans performed?
Fewer than 20 of this lender's loans are old enough to measure. The national benchmark is 3.5% for the FY2018 to FY2021 cohort.
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Related
- Texas acquisitions
- All Other Specialty Trade Contractors
- Insurance Agencies and Brokerages
- Electrical Contractors and Other Wiring Installation Contractors
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by The American National Bank of Texas.