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County14th of 70 in Oklahoma by approvalsFIPS 40051
SBA loans in Grady County, Oklahoma
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 37 loans to businesses in Grady County, Oklahoma, in FY2021 to FY2025, worth $22.6M: 36 under 7(a) and 1 under 504.
That is 31.3 approvals per 1,000 business establishments (1,183 establishments in 2023), close to the Oklahoma figure of 29.1 and below the national 41.0.
It ranks 14th of 70 Oklahoma counties with approvals. In FY2025 there were 3.
18 lenders had approvals here; the most active were The First National Bank and Trust Co, Chickasha, Oklahoma (9), BancFirst (8) and Great Plains National Bank (5). The most common industry was general freight trucking.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Grady County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The First National Bank and Trust Co, Chickasha, OklahomaChickasha, OK | 9 | $5.4M | 24.3% | |
| 2 | BancFirstOklahoma City, OK | 8 | $830K | 21.6% | |
| 3 | Great Plains National BankElk City, OK | 5 | $2.0M | 13.5% | |
| 4 | Merchants Bank of IndianaCarmel, IN | 1 | — | 2.7% | |
| 5 | First State BankShallowater, TX | 1 | — | 2.7% | |
| 6 | Regions BankBirmingham, AL | 1 | — | 2.7% | |
| 7 | Heritage Bank IncBurlington, KY | 1 | — | 2.7% | |
| 8 | Rural Enterprises of Oklahoma, Inc.Durant, OK · CDC | 1 | — | 2.7% | |
| 9 | Bank7Oklahoma City, OK | 1 | — | 2.7% | |
| 10 | Midwest BankCentreSaint Louis, MO | 1 | — | 2.7% | |
| 11 | Valliance BankOklahoma City, OK | 1 | — | 2.7% | |
| 12 | Arvest BankFayetteville, AR | 1 | — | 2.7% | |
| 13 | SpiritBankTulsa, OK | 1 | — | 2.7% | |
| 14 | Bank of HydroHydro, OK | 1 | — | 2.7% | |
| 15 | All Capital BankLocust Grove, OK | 1 | — | 2.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 4 | 10.8% | |
| 2 | Cement and Concrete Product ManufacturingNAICS 3273 | 3 | 8.1% | |
| 3 | Traveler AccommodationNAICS 7211 | 2 | 5.4% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 5.4% | |
| 5 | Grocery StoresNAICS 4451 | 2 | 5.4% | |
| 6 | Other Personal ServicesNAICS 8129 | 2 | 5.4% | |
| 7 | Outpatient Care CentersNAICS 6214 | 2 | 5.4% | |
| 8 | Child Day Care ServicesNAICS 6244 | 2 | 5.4% | |
| 9 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 1 | 2.7% | |
| 10 | Remediation and Other Waste Management ServicesNAICS 5629 | 1 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 5 | 13.5% | |
| 2 | Health Care and Social Assistance | 5 | 13.5% | |
| 3 | Accommodation and Food Services | 4 | 10.8% | |
| 4 | Manufacturing | 4 | 10.8% | |
| 5 | Other Services (except Public Administration) | 4 | 10.8% | |
| 6 | Transportation and Warehousing | 4 | 10.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 2 | 5.4% | |
| 8 | Professional, Scientific, and Technical Services | 2 | 5.4% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 3 | $350K | $150K | 0 | — | 3 | 34 |
| FY2025 | 3 | $9.5M | $4.4M | 0 | — | 3 | 34 |
| FY2024 | 3 | $1.0M | $123K | 0 | — | 3 | 9 |
| FY2023 | 6 | $275K | $30K | 0 | — | 6 | 18 |
| FY2022 | 9 | $1.7M | $107K | 1 | — | 10 | 94 |
| FY2021 | 15 | $9.5M | $300K | 0 | — | 15 | 243 |
| FY2020 | 7 | $1.0M | $102K | 0 | — | 7 | 35 |
| FY2019 | 4 | $523K | $129K | 1 | — | 5 | 13 |
| FY2018 | 2 | — | — | 0 | — | 2 | 45 |
| FY2017 | 6 | $1.4M | $43K | 0 | — | 6 | 55 |
| FY2016 | 6 | $1.5M | $103K | 0 | — | 6 | 33 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 26 approvals.
Against Oklahoma and the country
| FY2021–FY2025 | Grady County | Oklahoma | United States |
|---|---|---|---|
| Approvals | 37 | 2,802 | 342,825 |
| Approvals per 1,000 establishments | 31.3 | 29.1 | 41.0 |
| Median 7(a) approval | $136K | $250K | $190K |
| Median 504 approval | — | $569K | $657K |
| Average approval | $610K | $611K | $573K |
| 504 share of approvals | 2.7% | 7.4% | 11.0% |
| Jobs supported per approval, as reported | 10.8 | 12.2 | 10.5 |
| Share of state approvals | 1.3% | 100.0% | — |
Approval sizes
- $50,000 or less27.0%10
- $50,001 to $150,00024.3%9
- $150,001 to $350,00016.2%6
- $350,001 to $1 million18.9%7
- $1 million to $2 million5.4%2
- Over $2 million8.1%3
Age of the businesses
- Existing, more than 2 years old45.9%17
- New business, 2 years or less27.0%10
- Startup, loan funds will open the business24.3%9
- Change of ownership2.7%1
Questions and answers
Which lenders make the most SBA loans in Grady County?
By approvals in FY2021 to FY2025: The First National Bank and Trust Co, Chickasha, Oklahoma (9), BancFirst (8), Great Plains National Bank (5), Merchants Bank of Indiana (1), First State Bank (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Grady County?
The median 7(a) approval was $136K; the Oklahoma 7(a) median was $250K.
Which industries get the most SBA loans in Grady County?
General Freight Trucking (4); Cement and Concrete Product Manufacturing (3); Traveler Accommodation (2); Restaurants and Other Eating Places (2); Grocery Stores (2).
Is SBA lending in Grady County rising?
Approvals in the three latest complete fiscal years total 12, against 32 in the three before: falling (-62%).
How does Grady County compare with the rest of Oklahoma?
31.3 approvals per 1,000 establishments against 29.1 statewide, and 37 of the state's 2,802 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error