Commercial Bank of Texas N.A.
Commercial Bank of Texas N.A. is an SBA 7(a) lender that has approved 50 loans totaling $26.2M between FY2020 and Q1 FY2026 (2025-12-31), with a 2.63% charge-off rate on mature loans. Average loan size: $525K. Active in 1 states. Headquartered in NACOGDOCHES, TX.
Total 7(a) loans
50
Total approved
$26.2M
Average loan
$525K
States funded in
1
Charge-off rate
2.63%
FY2020–FY2023 cohort
Paid-in-full rate
36.84%
Average rate
6.20%
Average term
121 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 238990 | All Other Specialty Trade Contractors | 4 |
| 611512 | Flight Training | 4 |
| 722511 | Full-Service Restaurants | 4 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 2 |
| 722513 | Limited-Service Restaurants | 2 |
| 623110 | Nursing Care Facilities | 2 |
| 721110 | Hotels (except Casino Hotels) and Motels | 2 |
| 713940 | Fitness and Recreational Sports Centers | 2 |
| 488190 | Other Support Activities for Air Transportation | 2 |
| 541320 | Landscape Architectural Services | 2 |
Top 10 states
| State | Loans |
|---|---|
| TX | 50 |
Top franchise brands financed
6 franchise loans across 5 distinct brands.
| Franchise | Loans |
|---|---|
| Anytime Fitness | 2 |
| Ford Motor Company Dealer Sale | 1 |
| Filta Environmental Kitchen So | 1 |
| Fuzzy's Taco Shop | 1 |
| Empire Petroleum Partners - Pe | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.