States › Oklahoma › Pottawatomie County
County18th of 70 in Oklahoma by approvalsFIPS 40125
SBA loans in Pottawatomie 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.
Businesses in Pottawatomie County, Oklahoma, received 30 SBA loan approvals worth $15.9M in FY2021 to FY2025 (27 7(a), 3 504).
That is 23.9 approvals per 1,000 business establishments (1,253 establishments in 2023), below the Oklahoma figure of 29.1 and below the national 41.0.
It ranks 18th of 70 Oklahoma counties with approvals. In FY2025 there were 9.
13 lenders had approvals here; the most active were BancFirst (11), Live Oak Banking Company (4) and Rural Enterprises of Oklahoma, Inc. (3). The most common industry was lessors of real estate.
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 Pottawatomie County
By number of approvals to businesses in the county, FY2021–FY2025; 13 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | BancFirstOklahoma City, OK | 11 | $2.1M | 36.7% | |
| 2 | Live Oak Banking CompanyWilmington, NC | 4 | $4.7M | 13.3% | |
| 3 | Rural Enterprises of Oklahoma, Inc.Durant, OK · CDC | 3 | $2.8M | 10.0% | |
| 4 | First United Bank and Trust CompanyDurant, OK | 3 | $1.2M | 10.0% | |
| 5 | GBankLas Vegas, NV | 1 | — | 3.3% | |
| 6 | Old National BankEvansville, IN | 1 | — | 3.3% | |
| 7 | Mechanics and Farmers BankDurham, NC | 1 | — | 3.3% | |
| 8 | JPMorgan Chase Bank, National AssociationColumbus, OH | 1 | — | 3.3% | |
| 9 | Sovereign BankShawnee, OK | 1 | — | 3.3% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 3.3% | |
| 11 | Equity BankAndover, KS | 1 | — | 3.3% | |
| 12 | BOKF, National AssociationTulsa, OK | 1 | — | 3.3% | |
| 13 | Arvest BankFayetteville, AR | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Lessors of Real EstateNAICS 5311 | 2 | 6.7% | |
| 2 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 2 | 6.7% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 6.7% | |
| 4 | Other Personal ServicesNAICS 8129 | 2 | 6.7% | |
| 5 | Other Support ServicesNAICS 5619 | 2 | 6.7% | |
| 6 | Building Material and Supplies DealersNAICS 4441 | 2 | 6.7% | |
| 7 | Personal and Household Goods Repair and MaintenanceNAICS 8114 | 2 | 6.7% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 6.7% | |
| 9 | General Freight TruckingNAICS 4841 | 2 | 6.7% | |
| 10 | Death Care ServicesNAICS 8122 | 1 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 6 | 20.0% | |
| 2 | Manufacturing | 4 | 13.3% | |
| 3 | Accommodation and Food Services | 3 | 10.0% | |
| 4 | Retail Trade | 3 | 10.0% | |
| 5 | Construction | 3 | 10.0% | |
| 6 | Transportation and Warehousing | 3 | 10.0% | |
| 7 | Real Estate and Rental and Leasing | 2 | 6.7% | |
| 8 | Finance and Insurance | 2 | 6.7% |
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* | 4 | $8.9M | $2.3M | 0 | — | 4 | 47 |
| FY2025 | 9 | $4.3M | $220K | 0 | — | 9 | 61 |
| FY2024 | 4 | $2.5M | $405K | 0 | — | 4 | 53 |
| FY2023 | 3 | $262K | $90K | 0 | — | 3 | 9 |
| FY2022 | 6 | $1.9M | $105K | 2 | — | 8 | 50 |
| FY2021 | 5 | $4.2M | $304K | 1 | — | 6 | 19 |
| FY2020 | 7 | $3.3M | $171K | 0 | — | 7 | 59 |
| FY2019 | 6 | $2.8M | $189K | 1 | — | 7 | 127 |
| FY2018 | 8 | $1.3M | $114K | 1 | — | 9 | 46 |
| FY2017 | 11 | $12.2M | $560K | 0 | — | 11 | 276 |
| FY2016 | 7 | $4.3M | $369K | 0 | — | 7 | 188 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 41 approvals.
Against Oklahoma and the country
| FY2021–FY2025 | Pottawatomie County | Oklahoma | United States |
|---|---|---|---|
| Approvals | 30 | 2,802 | 342,825 |
| Approvals per 1,000 establishments | 23.9 | 29.1 | 41.0 |
| Median 7(a) approval | $220K | $250K | $190K |
| Median 504 approval | $1.0M | $569K | $657K |
| Average approval | $531K | $611K | $573K |
| 504 share of approvals | 10.0% | 7.4% | 11.0% |
| Jobs supported per approval, as reported | 6.4 | 12.2 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less13.3%4
- $50,001 to $150,00023.3%7
- $150,001 to $350,00026.7%8
- $350,001 to $1 million20.0%6
- $1 million to $2 million10.0%3
- Over $2 million6.7%2
Age of the businesses
- Existing, more than 2 years old23.3%7
- New business, 2 years or less16.7%5
- Startup, loan funds will open the business30.0%9
- Change of ownership30.0%9
Questions and answers
Which lenders make the most SBA loans in Pottawatomie County?
By approvals in FY2021 to FY2025: BancFirst (11), Live Oak Banking Company (4), Rural Enterprises of Oklahoma, Inc. (3), First United Bank and Trust Company (3), GBank (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Pottawatomie County?
The median 7(a) approval was $220K and the median 504 approval $1.0M; the Oklahoma 7(a) median was $250K.
Which industries get the most SBA loans in Pottawatomie County?
Lessors of Real Estate (2); Agencies, Brokerages, and Other Insurance Related Activities (2); Restaurants and Other Eating Places (2); Other Personal Services (2); Other Support Services (2).
Is SBA lending in Pottawatomie County rising?
Approvals in the three latest complete fiscal years total 16, against 21 in the three before: falling (-24%).
How does Pottawatomie County compare with the rest of Oklahoma?
23.9 approvals per 1,000 establishments against 29.1 statewide, and 30 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