Lenders › Arvest Bank
7(a) lenderFayetteville, ArkansasFDIC-insured bank82nd of 2,184 by approvals
Arvest Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
Arvest Bank, based in Fayetteville, Arkansas, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 475 of its 7(a) loans worth $136M in FY2021 to FY2025, which places it 82nd of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 55 approvals totalling $14.1M, down 23% on FY2024 (71). FY2026 to 30 Jun 2026 adds 27 more.
The median approval was $100K, against $190K for the 7(a) program as a whole; 60.8% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 6 states and territories and 82 counties, led by Arkansas (40.6%), Oklahoma (37.1%) and Missouri (17.5%). The largest industry group was construction at 14.3% of approvals, and 8.6% of approvals were to franchise businesses.
Of 1,546 disbursed loans approved in FY2010 to FY2021, SBA records 75 as charged off (4.9%), 1,246 as paid in full and 225 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 27 | $3.9M | $92K | $143K | 212 |
| FY2025 | 55 | $14.1M | $149K | $256K | 496 |
| FY2024 | 71 | $23.9M | $100K | $336K | 618 |
| FY2023 | 104 | $28.9M | $115K | $278K | 707 |
| FY2022 | 120 | $28.8M | $81K | $240K | 859 |
| FY2021 | 125 | $40.7M | $120K | $325K | 1,092 |
| FY2020 | 165 | $33.6M | $51K | $204K | 1,206 |
| FY2019 | 104 | $30.8M | $100K | $296K | 1,035 |
| FY2018 | 119 | $63.6M | $100K | $534K | 779 |
| FY2017 | 149 | $41.0M | $100K | $275K | 1,289 |
| FY2016 | 162 | $37.5M | $76K | $232K | 1,059 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 699 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Arkansas | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,703 | 3,649 | 639,905 |
| Cancelled or never disbursed | 157 | 394 | 79,313 |
| Disbursed loans | 1,546 | 3,255 | 560,592 |
| Paid in full | 1,246 | 2,511 | 435,813 |
| Charged off | 75 | 224 | 36,891 |
| Still outstanding (status exempt from disclosure) | 225 | 520 | 87,888 |
| Charged off, share of disbursed loans | 4.9% | 6.9% | 6.6% |
| Dollars charged off, share of disbursed dollars | 3.1% | 3.4% | 2.5% |
| Dollars charged off | $14.2M | $56.9M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 111 | 46 | 3 | 2.7% | 2.8% |
| FY2020 | 157 | 105 | 3 | 1.9% | 4.0% |
| FY2019 | 95 | 68 | 1 | 1.1% | 6.7% |
| FY2018 | 107 | 69 | 4 | 3.7% | 7.9% |
| FY2017 | 139 | 120 | 5 | 3.6% | 7.7% |
| FY2016 | 143 | 124 | 5 | 3.5% | 7.2% |
| FY2015 | 171 | 157 | 5 | 2.9% | 6.9% |
| FY2014 | 142 | 125 | 13 | 9.2% | 6.4% |
| FY2013 | 97 | 87 | 7 | 7.2% | 6.0% |
| FY2012 | 120 | 108 | 7 | 5.8% | 6.3% |
| FY2011 | 144 | 129 | 14 | 9.7% | 6.9% |
| FY2010 | 120 | 108 | 8 | 6.7% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $100K | $190K |
| Average approval | $287K | $518K |
| Approvals of $150,000 or less | 60.8% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 66.7% | 34.3% |
| Approvals to franchise businesses | 8.6% | 11.5% |
| Jobs supported per approval, as reported | 7.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.9% | 6.6% |
States served
| # | State of the business (6 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Arkansas | 193 | $53.1M | 40.6% | |
| 2 | Oklahoma | 176 | $52.8M | 37.1% | |
| 3 | Missouri | 83 | $21.0M | 17.5% | |
| 4 | Kansas | 21 | $7.1M | 4.4% | |
| 5 | Texas | 1 | — | 0.2% | |
| 6 | Illinois | 1 | — | 0.2% |
In Arkansas the lender accounts for 12.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (82 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Benton County, AR | 50 | $16.1M | 10.5% | |
| 2 | Tulsa County, OK | 48 | $8.7M | 10.1% | |
| 3 | Washington County, AR | 27 | $7.6M | 5.7% | |
| 4 | Pulaski County, AR | 21 | $6.1M | 4.4% | |
| 5 | Oklahoma County, OK | 21 | $4.1M | 4.4% | |
| 6 | Garland County, AR | 20 | $3.8M | 4.2% | |
| 7 | Johnson County, KS | 17 | $6.6M | 3.6% | |
| 8 | Jasper County, MO | 17 | $3.0M | 3.6% | |
| 9 | Jackson County, MO | 16 | $4.1M | 3.4% | |
| 10 | Saline County, AR | 15 | $1.7M | 3.2% | |
| 11 | Baxter County, AR | 14 | $3.8M | 2.9% | |
| 12 | Faulkner County, AR | 10 | $1.9M | 2.1% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 68 | 14.3% | |
| 2 | Retail Trade | 63 | 13.3% | |
| 3 | Accommodation and Food Services | 59 | 12.4% | |
| 4 | Transportation and Warehousing | 53 | 11.2% | |
| 5 | Other Services (except Public Administration) | 49 | 10.3% | |
| 6 | Health Care and Social Assistance | 48 | 10.1% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 31 | 6.5% | |
| 8 | Professional, Scientific, and Technical Services | 25 | 5.3% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 46 | 9.7% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 36 | 7.6% | |
| 3 | General Freight TruckingNAICS 4841 | 27 | 5.7% | |
| 4 | Personal Care ServicesNAICS 8121 | 19 | 4.0% | |
| 5 | Other Amusement and Recreation IndustriesNAICS 7139 | 19 | 4.0% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 17 | 3.6% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 17 | 3.6% | |
| 8 | Specialized Freight TruckingNAICS 4842 | 16 | 3.4% | |
| 9 | Child Day Care ServicesNAICS 6244 | 14 | 2.9% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 13 | 2.7% |
Approval sizes
- $50,000 or less30.7%146
- $50,001 to $150,00030.1%143
- $150,001 to $350,00018.5%88
- $350,001 to $1 million14.3%68
- $1 million to $2 million4.6%22
- Over $2 million1.7%8
Loan terms
- 5 years or less14.5%69
- Over 5 to 10 years68.6%326
- Over 10 to 20 years14.9%71
- Over 20 years1.9%9
Age of the businesses
- Existing, more than 2 years old28.0%133
- New business, 2 years or less15.8%75
- Startup, loan funds will open the business50.9%242
- Change of ownership5.3%25
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 306 | 64.4% | |
| 2 | Preferred Lenders Program | 156 | 32.8% | |
| 3 | 7a General | 10 | 2.1% | |
| 4 | Working Capital CAPLine | 3 | 0.6% |
Franchise share
41 of 475 approvals in FY2021–FY2025 (8.6%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Massage Heights | 4 | 0.8% | |
| 2 | Mercury Marine Dealer Sales and Service Agreement | 3 | 0.6% | |
| 3 | Hotworx | 2 | 0.4% | |
| 4 | Aire Serv | 2 | 0.4% | |
| 5 | The UPS Store | 2 | 0.4% | |
| 6 | Smallcakes Cupcakery | 2 | 0.4% | |
| 7 | Fairfield by Marriott | 1 | 0.2% | |
| 8 | Budget Blinds | 1 | 0.2% |
Questions and answers
How many SBA loans does Arvest Bank make?
SBA approved 55 7(a) loans through Arvest Bank in FY2025, worth $14.1M, and 475 over FY2021 to FY2025. That ranks 82nd of 2,184 active 7(a) lenders by number of approvals.
How large are Arvest Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $100K and the average $287K. The program-wide median was $190K.
What is Arvest Bank's charge-off rate?
Of 1,546 disbursed loans approved in FY2010 to FY2021, SBA records 75 as charged off (4.9%), 1,246 as paid in full and 225 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Arvest Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (46); building equipment contractors (36); general freight trucking (27); personal care services (19).
Where does Arvest Bank make SBA loans?
In 6 states and territories. Arkansas 193, Oklahoma 176, Missouri 83, Kansas 21, Texas 1. In Arkansas it accounts for 12.3% of all 7(a) approvals.
Is Arvest Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 230, against 410 in the three before: falling (-44%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error