Lenders › BancFirst
7(a) lenderOklahoma City, OklahomaFDIC-insured bank71st of 2,184 by approvals
BancFirst
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.
BancFirst (Oklahoma City, Oklahoma) is an FDIC-insured bank in the SBA 7(a) program, 71st of 2,184 by approvals in FY2021 to FY2025: 557 loans worth $221M.
In FY2025, the latest complete fiscal year, it had 91 approvals totalling $33.2M, up 30% on FY2024 (70). FY2026 to 30 Jun 2026 adds 68 more.
The median approval was $198K, against $190K for the 7(a) program as a whole; 44.7% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 4 states and territories and 50 counties, led by Oklahoma (98.2%), Texas (1.3%) and Kansas (0.4%). The largest industry group was construction at 13.6% of approvals, and 10.1% of approvals were to franchise businesses.
Of 1,246 disbursed loans approved in FY2010 to FY2021, SBA records 52 as charged off (4.2%), 997 as paid in full and 197 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* | 68 | $27.5M | $130K | $404K | 721 |
| FY2025 | 91 | $33.2M | $117K | $364K | 1,023 |
| FY2024 | 70 | $32.5M | $193K | $464K | 1,011 |
| FY2023 | 83 | $38.5M | $200K | $463K | 865 |
| FY2022 | 188 | $70.2M | $160K | $373K | 1,885 |
| FY2021 | 125 | $46.7M | $234K | $374K | 1,047 |
| FY2020 | 149 | $66.5M | $250K | $446K | 2,535 |
| FY2019 | 129 | $57.3M | $220K | $444K | 1,755 |
| FY2018 | 124 | $40.5M | $239K | $327K | 1,153 |
| FY2017 | 115 | $45.9M | $200K | $399K | 2,410 |
| FY2016 | 118 | $48.6M | $177K | $412K | 1,403 |
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 635 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 | Oklahoma | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,449 | 5,893 | 639,905 |
| Cancelled or never disbursed | 203 | 643 | 79,313 |
| Disbursed loans | 1,246 | 5,250 | 560,592 |
| Paid in full | 997 | 3,941 | 435,813 |
| Charged off | 52 | 354 | 36,891 |
| Still outstanding (status exempt from disclosure) | 197 | 955 | 87,888 |
| Charged off, share of disbursed loans | 4.2% | 6.7% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.7% | 3.6% | 2.5% |
| Dollars charged off | $7.9M | $87.7M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 116 | 51 | 1 | 0.9% | 2.8% |
| FY2020 | 122 | 69 | 4 | 3.3% | 4.0% |
| FY2019 | 105 | 78 | 4 | 3.8% | 6.7% |
| FY2018 | 110 | 82 | 6 | 5.5% | 7.9% |
| FY2017 | 93 | 78 | 3 | 3.2% | 7.7% |
| FY2016 | 101 | 91 | 3 | 3.0% | 7.2% |
| FY2015 | 119 | 110 | 4 | 3.4% | 6.9% |
| FY2014 | 105 | 95 | 3 | 2.9% | 6.4% |
| FY2013 | 109 | 99 | 5 | 4.6% | 6.0% |
| FY2012 | 79 | 75 | 1 | 1.3% | 6.3% |
| FY2011 | 107 | 97 | 10 | 9.3% | 6.9% |
| FY2010 | 80 | 72 | 8 | 10.0% | 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 | $198K | $190K |
| Average approval | $397K | $518K |
| Approvals of $150,000 or less | 44.7% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 49.4% | 34.3% |
| Approvals to franchise businesses | 10.1% | 11.5% |
| Jobs supported per approval, as reported | 10.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.2% | 6.6% |
States served
| # | State of the business (4 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Oklahoma | 547 | $217M | 98.2% | |
| 2 | Texas | 7 | $2.4M | 1.3% | |
| 3 | Kansas | 2 | — | 0.4% | |
| 4 | Missouri | 1 | — | 0.2% |
In Oklahoma the lender accounts for 21.1% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (50 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Oklahoma County, OK | 203 | $99.6M | 36.4% | |
| 2 | Cleveland County, OK | 69 | $20.9M | 12.4% | |
| 3 | Canadian County, OK | 48 | $15.7M | 8.6% | |
| 4 | Tulsa County, OK | 44 | $19.5M | 7.9% | |
| 5 | Wagoner County, OK | 15 | $7.3M | 2.7% | |
| 6 | Pittsburg County, OK | 15 | $4.9M | 2.7% | |
| 7 | Muskogee County, OK | 14 | $4.7M | 2.5% | |
| 8 | Pottawatomie County, OK | 11 | $2.1M | 2.0% | |
| 9 | Washington County, OK | 9 | $2.3M | 1.6% | |
| 10 | Kingfisher County, OK | 8 | $5.2M | 1.4% | |
| 11 | Logan County, OK | 8 | $1.5M | 1.4% | |
| 12 | Grady County, OK | 8 | $830K | 1.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 76 | 13.6% | |
| 2 | Accommodation and Food Services | 76 | 13.6% | |
| 3 | Other Services (except Public Administration) | 67 | 12.0% | |
| 4 | Retail Trade | 61 | 11.0% | |
| 5 | Transportation and Warehousing | 58 | 10.4% | |
| 6 | Manufacturing | 46 | 8.3% | |
| 7 | Professional, Scientific, and Technical Services | 42 | 7.5% | |
| 8 | Health Care and Social Assistance | 36 | 6.5% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 67 | 12.0% | |
| 2 | General Freight TruckingNAICS 4841 | 45 | 8.1% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 23 | 4.1% | |
| 4 | Other Personal ServicesNAICS 8129 | 23 | 4.1% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 22 | 3.9% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 18 | 3.2% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 17 | 3.1% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 15 | 2.7% | |
| 9 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 11 | 2.0% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 11 | 2.0% |
Approval sizes
- $50,000 or less17.6%98
- $50,001 to $150,00027.1%151
- $150,001 to $350,00025.0%139
- $350,001 to $1 million20.3%113
- $1 million to $2 million7.9%44
- Over $2 million2.2%12
Loan terms
- 5 years or less25.0%139
- Over 5 to 10 years49.4%275
- Over 10 to 20 years16.3%91
- Over 20 years9.3%52
Age of the businesses
- Existing, more than 2 years old40.8%227
- New business, 2 years or less13.6%76
- Startup, loan funds will open the business35.7%199
- Change of ownership9.9%55
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 395 | 70.9% | |
| 2 | SBA Express Program | 100 | 18.0% | |
| 3 | 7a General | 25 | 4.5% | |
| 4 | Working Capital CAPLine | 22 | 3.9% | |
| 5 | Contract CAPLine | 15 | 2.7% |
Franchise share
56 of 557 approvals in FY2021–FY2025 (10.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | HTeaO | 5 | 0.9% | |
| 2 | Scooter's Coffee | 4 | 0.7% | |
| 3 | Cicis Pizza | 4 | 0.7% | |
| 4 | Mathnasium and Mathnasium, The Math Learning Center | 3 | 0.5% | |
| 5 | Farmers Insurance Agent Appointment Agreement | 3 | 0.5% | |
| 6 | Schlotzsky's | 2 | 0.4% | |
| 7 | Subway | 2 | 0.4% | |
| 8 | Marco's Pizza | 2 | 0.4% |
Questions and answers
How many SBA loans does BancFirst make?
SBA approved 91 7(a) loans through BancFirst in FY2025, worth $33.2M, and 557 over FY2021 to FY2025. That ranks 71st of 2,184 active 7(a) lenders by number of approvals.
How large are BancFirst's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $198K and the average $397K. The program-wide median was $190K.
What is BancFirst's charge-off rate?
Of 1,246 disbursed loans approved in FY2010 to FY2021, SBA records 52 as charged off (4.2%), 997 as paid in full and 197 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 BancFirst lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (67); general freight trucking (45); automotive repair and maintenance (23); other personal services (23).
Where does BancFirst make SBA loans?
In 4 states and territories. Oklahoma 547, Texas 7, Kansas 2, Missouri 1. In Oklahoma it accounts for 21.1% of all 7(a) approvals.
Is BancFirst's SBA lending rising?
Approvals in the three latest complete fiscal years total 244, against 462 in the three before: falling (-47%).
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