STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
906
2010–2026
Total Volume
$666M
Gross loan amounts
States Active
12
With recorded loans
Programs
7(a) & 504
902 total segments
Bank OZK has a strong focus on smaller deals, with 240 loans under $150K and 225 between $150K and $350K. This suggests they are well-suited for startups and smaller businesses looking for manageable financing options.
With an average 7(a) spread of P+2.14%, Bank OZK offers competitive pricing compared to the national median of P+2.75%. This could save borrowers money on interest over the life of their loan.
The lender has a diverse portfolio with 19% of their deals in the 504 program, indicating they are capable of supporting both real estate and equipment financing for established businesses, which is beneficial for borrowers with varied needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 173 504 loans, which use fixed SBA debenture rates.
States where Bank OZK has recorded SBA lending activity.
+ 7 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Retail Trade
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Agriculture & Forestry
Agriculture & Forestry
+ 7 more
All recorded SBA lending activity for Bank OZK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 12 | P+2.75% | $252K | Q4 2025 |
| Georgia · Restaurants & Food Service · Under $150K | 7(a) | 12 | P+2.50% | $85K | Q2 2025 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 11 | P+2.25% | $268K | Q2 2024 |
| Florida · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+2.50% | $89K | Q3 2025 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 10 | P+2.75% | $100K | Q3 2019 |
| Arkansas · Agriculture & Forestry · $2M – $5M | 7(a) | 10 | P+0.88% | $2.7M | Q3 2021 |
| Florida · Specialty Trade Contractors · $150K – $350K | 7(a) | 9 | P+2.75% | $270K | Q2 2024 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 8 | P+2.25% | $314K | Q2 2025 |
| Florida · Manufacturing · $150K – $350K | 7(a) | 7 | P+2.50% | $248K | Q3 2023 |
| Georgia · Manufacturing · Under $150K | 7(a) | 7 | P+2.25% | $89K | Q4 2024 |
| Georgia · Manufacturing · $500K – $1M | 7(a) | 7 | P+2.50% | $729K | Q3 2022 |
| Florida · Hotels & Accommodation · $2M – $5M | 7(a) | 7 | P+1.75% | $4.1M | Q2 2015 |
| Florida · Retail Trade · Under $150K | 7(a) | 7 | P+2.75% | $83K | Q1 2021 |
| Florida · Retail Trade · $150K – $350K | 7(a) | 6 | P+2.25% | $265K | Q3 2021 |
| Florida · Manufacturing · Under $150K | 7(a) | 6 | P+2.75% | $98K | Q2 2025 |
| Georgia · Social Assistance · $1M – $2M | 7(a) | 6 | P+2.25% | $1.6M | Q1 2013 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 6 | P+2.25% | $689K | Q4 2024 |
| Arkansas · Retail Trade · Under $150K | 7(a) | 5 | P+2.00% | $51K | Q3 2021 |
| Georgia · Other Professional Services · Under $150K | 7(a) | 5 | P+2.50% | $86K | Q1 2025 |
| Arkansas · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.50% | $283K | Q3 2019 |
| North Carolina · Manufacturing · Under $150K | 7(a) | 5 | P+2.75% | $47K | Q3 2024 |
| Florida · Other Health Practitioners · $150K – $350K | 7(a) | 5 | P+2.00% | $301K | Q2 2024 |
| Florida · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.75% | $61K | Q4 2024 |
| Arkansas · Manufacturing · $150K – $350K | 7(a) | 5 | P+2.00% | $278K | Q1 2023 |
| Arkansas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.00% | $95K | Q2 2025 |
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