Southwestern National Bank
Headquartered in HOUSTON, TX. Analysis based on 215 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $351.5M.
Total 7(a) loans
215
Total approved
$351.5M
Average loan
$1.6M
States funded in
19
Charge-off rate
1.19%
FY2020–FY2023 cohort
Paid-in-full rate
30.95%
Average rate
8.46%
Average term
254 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 447110 | Gasoline Stations with Convenience Stores | 23 |
| 721110 | Hotels (except Casino Hotels) and Motels | 21 |
| 722511 | Full-Service Restaurants | 16 |
| 722513 | Limited-Service Restaurants | 9 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 7 |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 5 |
| 623312 | Homes for the Elderly | 4 |
| 811192 | Car Washes | 4 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 3 |
| 236220 | Commercial and Institutional Building Construction | 3 |
Top 10 states
| State | Loans |
|---|---|
| TX | 88 |
| CA | 79 |
| WA | 18 |
| ID | 5 |
| OR | 4 |
| OK | 4 |
| OH | 3 |
| IL | 2 |
| CO | 2 |
| AZ | 1 |
Top franchise brands financed
75 franchise loans across 54 distinct brands.
| Franchise | Loans |
|---|---|
| SEI Fuel Services, Inc (Multi | 4 |
| Sunoco, LLC (Various Brands) F | 4 |
| Christensen Inc. dba Powell Pr | 3 |
| Nekter Juice Bar | 3 |
| Best Western - Membership Agre | 3 |
| Empire Petroleum Partners - Pe | 2 |
| Sunshine Petroleum Distributor | 2 |
| Classic Star Group (Distributo | 2 |
| GPM Empire, LLC (Multi Brands) | 2 |
| Quality Inn by Choice Hotels / | 2 |
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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.