STRONG
How competitive are their spreads? Lower = better for you.
GOOD
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
311
2010–2026
Total Volume
$276M
Gross loan amounts
States Active
10
With recorded loans
Programs
7(a) & 504
311 total segments
First Oklahoma Bank primarily focuses on existing businesses, with 60% of their deals supporting established companies. If you're an existing business owner, this lender may be a good fit for your needs.
With an average 7(a) spread of P+1.84%, First Oklahoma Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender has experienced a significant decline in activity, with a 45% drop in year-over-year deals. This trend may indicate tighter lending conditions, so be prepared for a potentially more rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 3 504 loans, which use fixed SBA debenture rates.
States where First Oklahoma Bank has recorded SBA lending activity.
+ 5 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Physician & Dental Offices
Health Care & Social Assistance
Other Professional Services
Professional Services
Auto Repair & Maintenance
Other Services
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for First Oklahoma Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Oklahoma · Specialty Trade Contractors · Under $150K | 7(a) | 11 | P+2.00% | $112K | Q1 2025 |
| Oklahoma · Restaurants & Food Service · $150K – $350K | 7(a) | 11 | P+2.00% | $258K | Q1 2019 |
| Oklahoma · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.00% | $134K | Q4 2021 |
| Oklahoma · Specialty Trade Contractors · $500K – $1M | 7(a) | 8 | P+2.00% | $793K | Q1 2025 |
| Oklahoma · Specialty Trade Contractors · $150K – $350K | 7(a) | 7 | P+2.00% | $274K | Q4 2024 |
| Oklahoma · Restaurants & Food Service · $500K – $1M | 7(a) | 6 | P+2.00% | $705K | Q2 2020 |
| Oklahoma · Manufacturing · Under $150K | 7(a) | 6 | P+1.50% | $120K | Q1 2024 |
| Oklahoma · Manufacturing · $150K – $350K | 7(a) | 6 | P+2.13% | $258K | Q4 2022 |
| Oklahoma · Auto Repair & Maintenance · $500K – $1M | 7(a) | 5 | P+2.25% | $660K | Q1 2022 |
| Oklahoma · Specialty Trade Contractors · $350K – $500K | 7(a) | 5 | P+1.50% | $474K | Q2 2024 |
| Oklahoma · Restaurants & Food Service · $350K – $500K | 7(a) | 5 | P+2.00% | $440K | Q1 2015 |
| Oklahoma · Manufacturing · $2M – $5M | 7(a) | 5 | P+2.50% | $4.0M | Q1 2021 |
| Oklahoma · Manufacturing · $500K – $1M | 7(a) | 5 | P+2.00% | $863K | Q2 2024 |
| Oklahoma · Other Professional Services · $1M – $2M | 7(a) | 4 | P+1.44% | $1.6M | Q3 2021 |
| Oklahoma · Physician & Dental Offices · $2M – $5M | 7(a) | 4 | P+1.50% | $3.4M | Q3 2018 |
| Oklahoma · Restaurants & Food Service · $1M – $2M | 7(a) | 4 | P+2.25% | $1.4M | Q1 2022 |
| Oklahoma · Finance & Insurance · $150K – $350K | 7(a) | 4 | P+1.31% | $248K | Q2 2022 |
| Oklahoma · Information & Media · $500K – $1M | 7(a) | 4 | P+1.75% | $821K | Q1 2023 |
| Oklahoma · Other Health Practitioners · $500K – $1M | 7(a) | 4 | P+1.75% | $860K | Q1 2025 |
| Oklahoma · Other Health Practitioners · $1M – $2M | 7(a) | 4 | P+1.38% | $1.4M | Q1 2025 |
| Oklahoma · Physician & Dental Offices · $500K – $1M | 7(a) | 4 | P+1.75% | $716K | Q2 2022 |
| Oklahoma · Manufacturing · $1M – $2M | 7(a) | 4 | P+2.13% | $1.4M | Q1 2021 |
| Oklahoma · Auto Dealers & Parts · $500K – $1M | 7(a) | 4 | P+1.75% | $709K | Q3 2017 |
| Oklahoma · Real Estate · $500K – $1M | 7(a) | 4 | P+2.25% | $686K | Q3 2021 |
| Oklahoma · Food & Beverage Stores · $500K – $1M | 7(a) | 3 | P+1.75% | $671K | Q3 2020 |
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Real experiences from borrowers who closed SBA loans with First Oklahoma Bank.
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