# PNC Bank SBA loans in Texas **Short answer:** SBA's loan file shows PNC Bank made 501 SBA loans in Texas since October 2019. 41.5% were lines of credit, against 57.1% of its loans nationally. 70.7% went to businesses more than two years old, against 59.6% of its loans nationally. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/texas/ Data as of: 2026-06-30 This site is not PNC Bank sbaexpress.loans is not PNC Bank, and PNC Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from PNC Bank. These are the 501 SBA 7(a) loans [PNC Bank](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/) made in [Texas](https://www.sbaexpress.loans/texas-small-business-loans/) approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other. ## How PNC Bank differs in Texas **What this means for you.** Lines of credit were less common here, so most of these loans were term loans repaid on a set schedule. ### Lines of credit 41.5% of the loans in Texas were lines of credit, against 57.1% of its loans nationally. Lines of credit, share of loans, Oct 2019 to Jun 2026 - Texas: 41.5% - All its U.S. loans: 57.1% ### Established businesses 70.7% of the loans in Texas went to businesses more than two years old, against 59.6% of its loans nationally. In business more than 2 years, share of loans, Oct 2019 to Jun 2026 - Texas: 70.7% - All its U.S. loans: 59.6% ### Share of the state's loans PNC Bank made 1.9% of the SBA loans approved in Texas since October 2019, against 0.89% of loans nationwide. Its share here is 2.2 times its national share. Share of all SBA loans, Oct 2019 to Jun 2026 - Texas: 1.9% - All its U.S. loans: 0.89% We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. The table compares every measure. ## Texas next to the U.S. **Texas compared with all of PNC Bank's U.S. loans, October 2019 to June 2026** | Measure | Texas | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 1.9% | 0.89% | Clearly higher | | Median loan | $50,000 | $50,000 | No clear gap | | Middle half of loans | $25,000 to $603,000 | $25,000 to $350,000 | – | | Startups (the loan opens the business) | 9.4% | 10.1% | No clear gap | | In business 2 years or less | 14.8% | 21.6% | No clear gap | | In business more than 2 years | 70.7% | 59.6% | Clearly higher | | Change of ownership | 3.8% | 5.5% | No clear gap | | SBA Express | 63.5% | 72.6% | No clear gap | | Lines of credit | 41.5% | 57.1% | Clearly lower | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 3.9 points over Prime | 3.9 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What PNC Bank lends to in Texas The 5 industries below account for 112 of the 501 loans approved October 2019 to June 2026, or 22.4%. An industry is listed when it has 5 or more of them, five at most. **Top industries in Texas** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 32 | 6.4% | 5.2% | | [General Freight Trucking, Long-Distance, Truckload](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/) | 24 | 4.8% | Not in top 5 | | [General Automotive Repair](https://www.sbaexpress.loans/industries/general-automotive-repair/) | 19 | 3.8% | Not in top 5 | | [General Freight Trucking, Local](https://www.sbaexpress.loans/industries/general-freight-trucking-local/) | 19 | 3.8% | Not in top 5 | | [Offices of Physicians (except Mental Health Specialists)](https://www.sbaexpress.loans/industries/offices-of-physicians/) | 18 | 3.6% | Not in top 5 | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## PNC Bank in other states Other states where these loans differ clearly from the national pattern, most loans first. **PNC Bank by state** | State | Loans since October 2019 | | --- | --- | | [Maryland](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/maryland/) | 116 | | [California](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/california/) | 114 | | [Arizona](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/arizona/) | 102 | | [Kentucky](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/kentucky/) | 68 | | [Virginia](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/virginia/) | 66 | | [Colorado](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/colorado/) | 63 | ## Other lenders in Texas Other lenders in Texas with a clear difference from the national pattern, most loans first. **Other lenders in Texas** | Lender | Loans since October 2019 | | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/texas/) | 2,265 | | [United Midwest Savings Bank](https://www.sbaexpress.loans/sba-express-lenders/united-midwest-savings-bank/texas/) | 669 | | [Fifth Third Bank](https://www.sbaexpress.loans/sba-express-lenders/fifth-third-bank/texas/) | 500 | | [Bank of America](https://www.sbaexpress.loans/sba-express-lenders/bank-of-america/texas/) | 321 | | [SouthState Bank](https://www.sbaexpress.loans/sba-express-lenders/southstate-bank/texas/) | 297 | | [Bank of Hope](https://www.sbaexpress.loans/sba-express-lenders/bank-of-hope/texas/) | 208 | | [Midwest Regional Bank](https://www.sbaexpress.loans/sba-express-lenders/midwest-regional-bank/texas/) | 174 | | [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/texas/) | 146 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)