{
  "asOf": "2026-10-30",
  "district": "SBA Lower Rio Grande Valley District Office",
  "fullYear": {
    "loans": 124,
    "dollars": 72600000,
    "source": "SBA FY2026 Lender 7(a) Activity Report (as of Sep 30, 2026)"
  },
  "loanLevel": {
    "window": "Nov 13, 2025 to Jun 26, 2026",
    "loans": 89,
    "dollars": 48134000,
    "median": 200000,
    "businessAge": {
      "established": 53,
      "acquisitions": 10,
      "startups": 16,
      "young": 10
    },
    "acquisitions": {
      "loans": 10,
      "businesses": 8,
      "dollars": 14117200
    },
    "franchiseLoans": 12,
    "byCounty": [
      {
        "name": "Hidalgo",
        "loans": 36,
        "dollars": 12098800
      },
      {
        "name": "Cameron",
        "loans": 23,
        "dollars": 10531400
      },
      {
        "name": "Nueces",
        "loans": 12,
        "dollars": 8546600
      },
      {
        "name": "Aransas",
        "loans": 8,
        "dollars": 2957200
      },
      {
        "name": "San Patricio",
        "loans": 5,
        "dollars": 9365600
      },
      {
        "name": "Starr",
        "loans": 2,
        "dollars": 380000
      },
      {
        "name": "Jim Wells",
        "loans": 1,
        "dollars": 3550000
      },
      {
        "name": "Kleberg",
        "loans": 1,
        "dollars": 554400
      }
    ],
    "byIndustry": [
      {
        "name": "Snack and Nonalcoholic Beverage Bars",
        "loans": 5,
        "dollars": 4882800
      },
      {
        "name": "Full-Service Restaurants",
        "loans": 4,
        "dollars": 1735000
      },
      {
        "name": "Gift, Novelty, and Souvenir Retailers",
        "loans": 4,
        "dollars": 434000
      },
      {
        "name": "Gasoline Stations with Convenience Stores",
        "loans": 3,
        "dollars": 2682400
      },
      {
        "name": "Limited-Service Restaurants",
        "loans": 3,
        "dollars": 650000
      },
      {
        "name": "Architectural Services",
        "loans": 3,
        "dollars": 475000
      },
      {
        "name": "Lessors of Miniwarehouses and Self-Storage Units",
        "loans": 2,
        "dollars": 4610000
      },
      {
        "name": "Veterinary Services",
        "loans": 2,
        "dollars": 2485000
      }
    ],
    "byMonth": [
      {
        "month": "2025-11",
        "loans": 10
      },
      {
        "month": "2025-12",
        "loans": 12
      },
      {
        "month": "2026-01",
        "loans": 7
      },
      {
        "month": "2026-02",
        "loans": 12
      },
      {
        "month": "2026-03",
        "loans": 9
      },
      {
        "month": "2026-04",
        "loans": 17
      },
      {
        "month": "2026-05",
        "loans": 10
      },
      {
        "month": "2026-06",
        "loans": 12
      }
    ],
    "source": "SBA 7(a) loan-level FOIA data (as of Jun 30, 2026)"
  },
  "districtLenders": [
    {
      "name": "PlainsCapital Bank",
      "loans": 27,
      "dollars": 5117500
    },
    {
      "name": "Newtek Bank",
      "loans": 21,
      "dollars": 3526000
    },
    {
      "name": "Huntington National Bank",
      "loans": 9,
      "dollars": 7258000
    },
    {
      "name": "Northeast Bank",
      "loans": 6,
      "dollars": 735900
    },
    {
      "name": "Celtic Bank",
      "loans": 5,
      "dollars": 2678000
    },
    {
      "name": "Live Oak Bank",
      "loans": 4,
      "dollars": 5210000
    },
    {
      "name": "Readycap Lending, LLC",
      "loans": 4,
      "dollars": 150000
    }
  ],
  "texasLenders": [
    {
      "name": "Newtek Bank",
      "loans": 502,
      "dollars": 146443500
    },
    {
      "name": "Northeast Bank",
      "loans": 388,
      "dollars": 70521400
    },
    {
      "name": "Huntington National Bank",
      "loans": 297,
      "dollars": 164095900
    },
    {
      "name": "Live Oak Bank",
      "loans": 256,
      "dollars": 328174200
    },
    {
      "name": "Zions Bancorporation",
      "loans": 181,
      "dollars": 57435200
    },
    {
      "name": "Readycap Lending, LLC",
      "loans": 134,
      "dollars": 31753500
    },
    {
      "name": "Celtic Bank",
      "loans": 122,
      "dollars": 63365900
    },
    {
      "name": "United Midwest Savings Bank",
      "loans": 106,
      "dollars": 42681300
    },
    {
      "name": "JPMorgan Chase Bank",
      "loans": 106,
      "dollars": 37793900
    },
    {
      "name": "PlainsCapital Bank",
      "loans": 93,
      "dollars": 26664900
    }
  ],
  "texasAcquisitionLenders": [
    {
      "name": "Huntington National Bank",
      "loans": 57,
      "median": 500000
    },
    {
      "name": "Live Oak Bank",
      "loans": 52,
      "median": 840000
    },
    {
      "name": "First Internet Bank of Indiana",
      "loans": 19,
      "median": 953000
    },
    {
      "name": "Zions Bancorporation",
      "loans": 15,
      "median": 382000
    },
    {
      "name": "T Bank",
      "loans": 14,
      "median": 1421700
    }
  ],
  "texasTotals": {
    "window": "Q1 to Q3 FY2026",
    "loans": 3371,
    "dollars": 2485810000,
    "median": 304000,
    "acquisitions": 466
  },
  "dataAsOf": {
    "activityReport": "2026-09-30",
    "foia": "2026-06-30",
    "tsbci": "2026-10-29"
  },
  "texas7a": {
    "window": "Oct 1, 2025 to Jun 30, 2026",
    "loans": 3371,
    "dollars": 2485810900,
    "median": 304000,
    "acquisitions": {
      "loans": 466,
      "dollars": 682918700,
      "median": 973300
    },
    "expressLoans": 627,
    "topCities": [
      {
        "name": "Houston",
        "loans": 348
      },
      {
        "name": "Austin",
        "loans": 190
      },
      {
        "name": "Dallas",
        "loans": 172
      },
      {
        "name": "San Antonio",
        "loans": 159
      },
      {
        "name": "Fort Worth",
        "loans": 113
      },
      {
        "name": "Plano",
        "loans": 71
      }
    ]
  },
  "sba504": {
    "window": "Oct 1, 2025 to Jun 30, 2026",
    "texas": {
      "loans": 202,
      "dollars": 314390000,
      "median": 1278500,
      "startups": 57,
      "medianBankLoan": 1666750
    },
    "district": {
      "loans": 5,
      "dollars": 9101000
    },
    "texasCDCs": [
      {
        "name": "Capital Certified Development",
        "loans": 91,
        "dollars": 148399000
      },
      {
        "name": "North Texas Certified Development",
        "loans": 29,
        "dollars": 43957000
      },
      {
        "name": "LiftFund, Inc.",
        "loans": 23,
        "dollars": 36562000
      },
      {
        "name": "Greater East Texas Certified Development Company",
        "loans": 21,
        "dollars": 27034000
      },
      {
        "name": "Community Certified Development",
        "loans": 9,
        "dollars": 13817000
      }
    ],
    "districtCDCs": [
      {
        "name": "Capital Certified Development",
        "loans": 3,
        "dollars": 4960000
      },
      {
        "name": "Brownsville Local Development Company",
        "loans": 1,
        "dollars": 3402000
      },
      {
        "name": "LiftFund, Inc.",
        "loans": 1,
        "dollars": 739000
      }
    ],
    "texasBankPartners": [
      {
        "name": "Horizon Bank SSB",
        "loans": 12
      },
      {
        "name": "Prosperity Bank",
        "loans": 10
      },
      {
        "name": "Texas First Bank",
        "loans": 10
      },
      {
        "name": "Bank of America",
        "loans": 9
      },
      {
        "name": "Live Oak Bank",
        "loans": 7
      },
      {
        "name": "First Financial Bank",
        "loans": 7
      },
      {
        "name": "Bank Five Nine",
        "loans": 7
      }
    ]
  },
  "smallDollar": {
    "window": "Oct 1, 2025 to Jun 30, 2026",
    "texasUnder150k": {
      "loans": 1156,
      "dollars": 103828200,
      "median": 100000
    },
    "texasUnder50k": {
      "loans": 400,
      "dollars": 15090300,
      "median": 45000
    },
    "districtUnder150k": {
      "loans": 42,
      "dollars": 3738000,
      "median": 100000
    },
    "texasSmallLenders": [
      {
        "name": "Newtek Bank",
        "loans": 201,
        "dollars": 14908000
      },
      {
        "name": "Northeast Bank",
        "loans": 143,
        "dollars": 13402200
      },
      {
        "name": "Zions Bank",
        "loans": 94,
        "dollars": 7629500
      },
      {
        "name": "Huntington National Bank",
        "loans": 90,
        "dollars": 5447400
      },
      {
        "name": "Celtic Bank",
        "loans": 77,
        "dollars": 9490400
      },
      {
        "name": "PlainsCapital Bank",
        "loans": 42,
        "dollars": 4129900
      }
    ],
    "districtSmallLenders": [
      {
        "name": "PlainsCapital Bank",
        "loans": 12,
        "dollars": 1310000
      },
      {
        "name": "Newtek Bank",
        "loans": 9,
        "dollars": 687000
      },
      {
        "name": "Celtic Bank",
        "loans": 4,
        "dollars": 469000
      },
      {
        "name": "Northeast Bank",
        "loans": 3,
        "dollars": 300000
      },
      {
        "name": "Huntington National Bank",
        "loans": 3,
        "dollars": 175000
      }
    ],
    "cdfi7a": [
      {
        "name": "LiftFund",
        "loans": 36,
        "dollars": 5740300
      },
      {
        "name": "Accion Opportunity Fund",
        "loans": 15,
        "dollars": 3711100
      },
      {
        "name": "PeopleFund",
        "loans": 10,
        "dollars": 1331000
      },
      {
        "name": "DreamSpring",
        "loans": 4,
        "dollars": 560700
      }
    ],
    "liftfund": {
      "sba7aLoans": 36,
      "sba7aDollars": 5740300,
      "sba504Loans": 23,
      "sba504Dollars": 36562000
    }
  },
  "tsbci": {
    "asOf": "2026-10-29",
    "allocation": 472094133,
    "tranche1": 134488297,
    "tranche1Date": "2023-07-11",
    "fy2025": {
      "loans": 88,
      "cap": 52,
      "lgp": 36,
      "enhancements": 3300000,
      "jobsCreated": 211,
      "jobsRetained": 332,
      "lenders": 20
    },
    "participants": {
      "banks": 14,
      "cdfis": 21
    },
    "valleyParticipants": [
      {
        "name": "Lone Star National Bank",
        "type": "Bank",
        "programs": "LGP, CAP"
      },
      {
        "name": "Rio Bank",
        "type": "Bank",
        "programs": "LGP, CAP"
      },
      {
        "name": "Texas National Bank",
        "type": "Bank",
        "programs": "LGP, CAP"
      },
      {
        "name": "LiftFund",
        "type": "CDFI (McAllen office)",
        "programs": "LGP, CAP"
      },
      {
        "name": "PeopleFund",
        "type": "CDFI (statewide, active in the RGV)",
        "programs": "LGP, CAP, CDLP"
      }
    ],
    "lsnb7a": {
      "fy2024": 13,
      "fy2025": 32,
      "fy2026": 0
    },
    "sources": [
      "https://gov.texas.gov/business/page/tsbci",
      "https://gov.texas.gov/uploads/files/business/TSBCI_Participating_Financial_Institutions.pdf",
      "https://gov.texas.gov/uploads/files/business/FY2025_Bank_Report.pdf",
      "https://home.treasury.gov/news/press-releases/jy1316"
    ]
  }
}