GOOD
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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
172
2010–2026
Total Volume
$146M
Gross loan amounts
States Active
19
With recorded loans
Programs
7(a) & 504
172 total segments
Oconee State Bank has a strong focus on 504 loans, making up 31% of their total SBA deals, which is significantly higher than the national average of 18%. This indicates they are well-suited for borrowers looking for real estate financing or expansion projects.
The average deal size at Oconee State Bank is $848,885, with a notable concentration in the $500K-$1M range (47 deals). If your financing needs fall within this range, you may find them particularly accommodating.
With a year-over-year growth trend of 19%, Oconee State Bank is expanding its lending activity. This suggests they are actively seeking new borrowers, which could be beneficial for your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 53 504 loans, which use fixed SBA debenture rates.
Top 15 of 19 states where Oconee State Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Finance & Insurance
Finance & Insurance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Restaurants & Food Service
Accommodation & Food Services
Social Assistance
Health Care & Social Assistance
Physician & Dental Offices
Health Care & Social Assistance
Food & Beverage Stores
Retail Trade
Education
Education
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Oconee State Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Nevada · Finance & Insurance · $500K – $1M | 7(a) | 5 | P+2.25% | $762K | Q4 2023 |
| Georgia · Nursing & Residential Care · $150K – $350K | 7(a) | 3 | P+2.00% | $268K | Q3 2019 |
| Georgia · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $578K | Q1 2016 |
| Florida · Finance & Insurance · $1M – $2M | 7(a) | 3 | P+2.00% | $1.2M | Q1 2025 |
| Georgia · Social Assistance · $1M – $2M | 7(a) | 3 | P+2.25% | $1.6M | Q1 2020 |
| Georgia · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 3 | P+2.75% | $278K | Q2 2024 |
| Georgia · Hotels & Accommodation · $500K – $1M | 504 | 3 | — | $793K | Q2 2014 |
| Florida · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 3 | P+2.25% | $594K | Q3 2025 |
| Georgia · Nursing & Residential Care · $500K – $1M | 7(a) | 2 | P+2.38% | $622K | Q2 2020 |
| Georgia · Manufacturing · $500K – $1M | 504 | 2 | — | $608K | Q3 2023 |
| Georgia · Arts, Entertainment & Recreation · $350K – $500K | 7(a) | 2 | P+2.38% | $370K | Q2 2023 |
| Georgia · Social Assistance · $500K – $1M | 504 | 2 | — | $670K | Q3 2013 |
| Georgia · Physician & Dental Offices · $1M – $2M | 7(a) | 2 | P+1.63% | $1.4M | Q1 2019 |
| Georgia · Physician & Dental Offices · $500K – $1M | 504 | 2 | — | $524K | Q1 2015 |
| Georgia · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.50% | $300K | Q3 2021 |
| Georgia · Auto Dealers & Parts · $1M – $2M | 504 | 2 | — | $1.4M | Q2 2022 |
| Georgia · Legal Services · $150K – $350K | 504 | 2 | — | $254K | Q1 2025 |
| South Carolina · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+2.13% | $1.5M | Q2 2022 |
| Georgia · Physician & Dental Offices · $150K – $350K | 504 | 2 | — | $283K | Q3 2020 |
| Georgia · Real Estate · $2M – $5M | 504 | 2 | — | $3.0M | Q1 2024 |
| Texas · Finance & Insurance · $500K – $1M | 7(a) | 2 | P+2.13% | $730K | Q2 2024 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.50% | $306K | Q1 2019 |
| Georgia · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.75% | $118K | Q3 2024 |
| Georgia · Education · $2M – $5M | 7(a) | 2 | P+2.25% | $3.8M | Q2 2025 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 2 | P+2.00% | $762K | Q2 2025 |
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