If you are shopping an SBA 7(a) or conventional commercial loan in Texas, the bank you call first matters more than most borrowers think. A lender that already writes a lot of commercial credit and sits in your state is structurally likelier to say yes than a national name passing through. This page ranks the Texas-headquartered banks doing the most commercial lending right now, using public Q2 2026 FFIEC call-report data. It is the open-book version of what the paid report does with far more inputs.
Texas headquarters more commercial banks than any other state, a deep and genuinely competitive field where a borrower has real options worth ranking.
The 15 most active commercial lenders in Texas
Ranked by commercial and industrial (C&I) loans outstanding, Q2 2026. Bank names link to the live BankingLens scorecard.
| # | Bank | City | Assets | C&I share | ROA | Fit notes |
|---|---|---|---|---|---|---|
| 1 | Texas Capital Bank | Dallas | $33.6B | 36.5% | 1.04% | Large multi-state regional, heavy C&I concentration. Built for commercial deals. Top sectors funded in TX: Health Care (15 loans), Other Services (15 loans) |
| 2 | Frost Bank | San Antonio | $54.0B | 24.8% | 1.31% | Coast-to-coast balance sheet, an active C&I book. CRE-heavy book. Loan book up 8% YoY. Top sectors funded in TX: Accommodation/Food Service (39 loans), Retail Trade (36 loans) |
| 3 | TBK Bank, SSB | Dallas | $7.4B | 59.1% | 0.63% | Mid-size regional, heavy C&I concentration. Built for commercial deals. Loan book up 11% YoY. |
| 4 | Sunflower Bank | Dallas | $15.7B | 24.7% | 0.30% | Large regional lender, an active C&I book. Loan book up 77% YoY. Top sectors funded in TX: Retail Trade (4 loans), Professional Services (3 loans) |
| 5 | Amarillo National Bank | Amarillo | $10.4B | 38.1% | 1.77% | Large multi-state regional, heavy C&I concentration. Return on assets above 1.5 percent. Top sectors funded in TX: Retail Trade (2 loans), Other Services (1 loan) |
| 6 | Prosperity Bank | El Campo | $43.9B | 10.4% | 1.43% | Large regional lender, a modest C&I share. Loan book up 13% YoY. |
| 7 | Third Coast Bank | Humble | $6.7B | 43.6% | 1.41% | Mid-size regional, heavy C&I concentration. CRE-heavy book. Loan book up 33% YoY. |
| 8 | Woodforest National Bank | The Woodlands | $9.0B | 39.2% | 2.05% | Regional commercial bank, heavy C&I concentration. Return on assets above 1.5 percent. |
| 9 | International Bank of Commerce | Laredo | $10.2B | 18.0% | 2.81% | Large multi-state regional, a steady commercial book. Return on assets above 1.5 percent. Loan book up 10% YoY. |
| 10 | Vantage Bank Texas | San Antonio | $5.1B | 28.3% | 1.63% | Regional commercial bank, an active C&I book. Return on assets above 1.5 percent. Loan book up 15% YoY. |
| 11 | Plainscapital Bank | University Park | $12.7B | 11.5% | 1.11% | Large multi-state regional, a modest C&I share. CRE-heavy book. |
| 12 | First Financial Bank | Abilene | $15.2B | 12.6% | 1.77% | Large regional lender, a steady commercial book. Return on assets above 1.5 percent. |
| 13 | Susser Bank | Dallas | $3.0B | 28.8% | 0.92% | Community bank, an active C&I book. Loan book up 13% YoY. |
| 14 | Texas Exchange Bank | Crowley | $4.5B | 86.4% | 0.42% | Regional commercial bank, heavy C&I concentration. Built for commercial deals. Loan book down 24% YoY. |
| 15 | Community National Bank | Midland | $2.5B | 32.0% | 2.11% | Community bank, heavy C&I concentration. Return on assets above 1.5 percent. |
Assets and ratios are Q2 2026 FFIEC call-report figures. ROA is annualized return on assets. A bank's headquarters city is shown; many lend statewide and beyond.
C&I lending muscle, ranked
Commercial and industrial loans outstanding for the top 10 Texas-HQ lenders, Q2 2026. This is the single number our ranking leans on hardest.
How we ranked these
Four steps, all of them transparent. First, we took every bank headquartered in Texas. Second, a capacity floor: we dropped every Texas-headquartered bank under $500M in total assets, because a smaller balance sheet rarely anchors a primary SBA 7(a) relationship. Third, an active-originator floor: we kept only banks whose commercial and industrial (C&I) loans are at least 10 percent of the loan book (a bank that is 90 percent home mortgages is not your SBA lender, regardless of size). Of the banks clearing both floors, 93 made the active list. Fourth, we ranked them by C&I loan dollars outstanding, which already blends balance-sheet size with how committed a bank is to commercial credit, and kept the top 15. Where the call report reports it, the fit notes also flag year-over-year loan-book growth as a rough read on whether a bank is leaning into lending or pulling back; the FFIEC filing does not break out SBA or C&I growth on its own, so treat that as directional, not precise.
Smaller banks may also fund your loan but rank below the active list.
The SBA section below ranks separately: it counts the SBA 7(a) and 504 loans each lender actually made in Texas, from SBA's own loan data, whatever state the lender is based in.
This table is an honest, simplified proxy. The call report does not show a bank's SBA volume or its appetite for your industry; the SBA section shows volume, but not which lender fits your deal. The $49 Borrower Assist report folds all of that in and ranks against your specific deal, not just your state. That is the part worth paying for.
Most active SBA lenders in Texas
The lenders that made the most SBA 7(a) and 504 loans to Texas businesses, federal fiscal year 2023 through June 30, 2026, counted from SBA's own loan-level data. National SBA platforms appear next to Texas's own banks because they lend here too.
1,757 SBA loans in Texas, $839.9M in total. Most often: Accommodation/Food Service, Other Services.
856 SBA loans in Texas, $328.2M in total. Most often: Professional Services, Health Care.
766 SBA loans in Texas, $215.7M in total. Most often: Construction, Transportation & Warehousing.
741 SBA loans in Texas, $246.4M in total. Most often: Construction, Professional Services.
694 SBA loans in Texas, $319.0M in total. Most often: Professional Services, Health Care.
651 SBA loans in Texas, $960.8M in total. Most often: Health Care, Other Services.
634 SBA loans in Texas, $103.9M in total. Most often: Professional Services, Health Care.
558 SBA loans in Texas, $78.7M in total. Most often: Professional Services, Construction.
489 SBA loans in Texas, $142.7M in total. Most often: Construction, Health Care.
344 SBA loans in Texas, $95.3M in total. Most often: Construction, Administrative & Support.
Source: U.S. Small Business Administration 7(a) and 504 loan data, refreshed monthly. Ranked by number of loans. Lenders that have since merged count toward the bank that acquired them.
What Texas looks like for a borrower
Texas headquarters more commercial banks than any other state, a deep and genuinely competitive field where a borrower has real options worth ranking.
Across 340 Texas-headquartered banks sits $500.2B in total assets, anchored by Frost Bank in San Antonio at $54.0B. Half the state's lenders hold more than 12.1% of their loans in C&I, half less; the ranking below pulls the most commercial-heavy to the top.
None of that tells you which of these banks will fund your specific deal. A $400,000 restaurant acquisition and a $4M owner-occupied warehouse purchase have different optimal lender lists even in the same state, and the ranking above does not split by loan size, industry, or collateral. Treat it as your starting shortlist, not your final answer.
How to use this list
- Start with the bank near you that has the strongest commercial profile, not just the closest branch. A lender with a real C&I book understands your deal faster.
- Ask for the SBA or commercial lending group directly. The general line routes business deals slowly.
- Have a one-page summary ready: use of funds, cash flow, collateral, owner credit, timeline. Banks decide whether to engage in the first ninety seconds.
- Run two banks in parallel, not five. Two real conversations close a loan; five waste everyone's time.
Hero photo: A downtown Texas commercial district by Lance Asper on Unsplash, used here as a regional editorial image for Texas.