Plains State Bank
Headquartered in HUMBLE, TX. Analysis based on 108 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $203.4M.
Total 7(a) loans
108
Total approved
$203.4M
Average loan
$1.9M
States funded in
2
Charge-off rate
1.18%
FY2020–FY2023 cohort
Paid-in-full rate
31.76%
Average rate
6.38%
Average term
202 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 624410 | Child Day Care Services | 9 |
| 721110 | Hotels (except Casino Hotels) and Motels | 8 |
| 722511 | Full-Service Restaurants | 5 |
| 236220 | Commercial and Institutional Building Construction | 4 |
| 812112 | Beauty Salons | 4 |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 4 |
| 447110 | Gasoline Stations with Convenience Stores | 3 |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 2 |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 2 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 2 |
Top 10 states
| State | Loans |
|---|---|
| TX | 107 |
| NM | 1 |
Top franchise brands financed
32 franchise loans across 25 distinct brands.
| Franchise | Loans |
|---|---|
| Tune Up; The Manly Salon | 4 |
| Gasgo Markets, Inc. (Shell) Mo | 2 |
| Primrose Schools | 2 |
| Children's Lighthouse Early Le | 2 |
| Studio 6 | 2 |
| Kids 'R' Kids | 1 |
| Midas | 1 |
| Swati Enterprises, Inc. (Chevr | 1 |
| The Goddard School | 1 |
| Menchie's | 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.