Top Industries Financed
- Hotels (except Casino Hotels) and Motels
- Snack and Nonalcoholic Beverage Bars
- Limited-Service Restaurants
- General Line Grocery Merchant Wholesalers
- General Freight Trucking, Local
Quick Summary
First State Bank is an SBA-approved lender headquartered in CLUTE, Texas. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 45 SBA 7(a) loans totaling $66.9M, with an average loan size of $1.5M. They serve businesses across 3 states.
About First State Bank
First State Bank is an SBA-approved lender headquartered in CLUTE, Texas. Since 2020, they have approved 45 SBA 7(a) loans totaling $66.9M, with an average loan size of $1.5M. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 3 states.
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Frequently Asked Questions
Is First State Bank an SBA Preferred Lender?
Yes, First State Bank is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.
How many SBA loans has First State Bank approved?
According to SBA FOIA public records, First State Bank has approved 45 SBA 7(a) loans totaling $66.9M since 2020. Their average loan size is $1.5M.
What states does First State Bank serve?
First State Bank serves businesses in 3 states: Kansas, Oklahoma, Texas.
How do I apply for an SBA loan with First State Bank?
To apply for an SBA 7(a) loan with First State Bank, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.
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