1 Loans with certain types of collateral, such as liens on readily marketable goods or stored agricultural products, are subject to a higher lending limit.  See 7 TAC §12.5(b)-(f).  None of the exceptions are applicable in this case. [Effective September 1, 2001, this limitation is stated as "25% of the lesser of bank's capital and certified surplus or total equity." Act of May 22, 2001, 77th Leg., H.B. 2155, §12.]