Plains State Bank
Plains State Bank specializes in serving small business owners throughout Texas, providing personal, professional banking experiences with strengths in business lending, lending innovation, flexible banking options, and technology solutions.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (10 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Plains State Bank ranks #206 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Plains State Bank’s 7(a) acquisition lending falls in the $0-$500K range: 2 loans, 20.0% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 2 | 20.0% | |
| $500K-$1M | 1 | 10.0% | |
| $1M-$2M | 1 | 10.0% | |
| $2M-$3M | 2 | 20.0% | |
| $3M-$4M | 2 | 20.0% | |
| $4M-$5M | 2 | 20.0% |
Industries with highest loan volume
Gasoline Stations with Convenience Stores
3
loans
$2.9M
avg. amount
Child Care Services
2
loans
$4.3M
avg. amount
Hotels (except Casino Hotels) and Motels
2
loans
$3.0M
avg. amount
Other Services to Buildings and Dwellings
1
loans
$1.2M
avg. amount
Residential Remodelers
1
loans
$300K
avg. amount
Limited-Service Restaurants
1
loans
$249K
avg. amount
10-Year
2.1%
Percentile Ranking
89th
89th percentile
Plains State Bank’s median variable rate is + 1.88%, against a market median of Prime + 1.88%, 0 above market.
It priced below the market median in 3 of the last 4 quarters. 1 of the 10 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.00% |
| $500K-$1M | Prime + 2.00% |
| $1M-$2M | Prime + 2.00% |
| $2M-$3M | Prime + 1.63% |
| $3M-$4M | Prime + 1.50% |
| $4M-$5M | Prime + 1.00% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '18 | Prime + 2.00% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
| Q4 '18 | Prime + 1.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 4 |
| Q3 '21 | Prime + 1.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 5 |
| Q2 '22 | Prime + 1.00% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
Plains State Bank has originated 7(a) acquisition loans in 1 states, most actively in Texas (10). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Texas | 10 | 100.0% |
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