Lenders › Regent Bank
7(a) lenderTulsa, OklahomaFDIC-insured bank190th of 2,184 by approvals
Regent 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.
In FY2021 to FY2025 SBA approved 203 7(a) loans, worth $125M, through Regent Bank of Tulsa, Oklahoma, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 190th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 13 approvals totalling $8.8M, down 72% on FY2024 (46). FY2026 to 30 Jun 2026 adds 11 more.
The median approval was $325K, against $190K for the 7(a) program as a whole; 26.1% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 14 states and territories and 49 counties, led by Missouri (59.1%), Oklahoma (26.6%) and Kansas (3.0%). The largest industry group was retail trade at 15.8% of approvals, and 18.7% of approvals were to franchise businesses.
Of 147 disbursed loans approved in FY2010 to FY2021, SBA records 10 as charged off (6.8%), 91 as paid in full and 46 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to 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* | 11 | $5.5M | $250K | $501K | 172 |
| FY2025 | 13 | $8.8M | $350K | $676K | 149 |
| FY2024 | 46 | $29.3M | $400K | $636K | 809 |
| FY2023 | 49 | $26.1M | $325K | $533K | 655 |
| FY2022 | 49 | $32.6M | $325K | $665K | 1,074 |
| FY2021 | 46 | $27.8M | $256K | $605K | 677 |
| FY2020 | 23 | $16.3M | $385K | $709K | 521 |
| FY2019 | 18 | $4.1M | $147K | $230K | 186 |
| FY2018 | 14 | $4.4M | $155K | $312K | 224 |
| FY2017 | 18 | $7.5M | $123K | $419K | 427 |
| FY2016 | 14 | $8.4M | $275K | $603K | 440 |
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 87 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 | Missouri | 7(a) program |
|---|---|---|---|
| Approvals in these years | 166 | 11,816 | 639,905 |
| Cancelled or never disbursed | 19 | 1,369 | 79,313 |
| Disbursed loans | 147 | 10,447 | 560,592 |
| Paid in full | 91 | 8,078 | 435,813 |
| Charged off | 10 | 777 | 36,891 |
| Still outstanding (status exempt from disclosure) | 46 | 1,592 | 87,888 |
| Charged off, share of disbursed loans | 6.8% | 7.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 5.7% | 3.6% | 2.5% |
| Dollars charged off | $4.6M | $149M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 37 | 14 | 1 | 2.7% | 2.8% |
| FY2020 | 20 | 8 | 0 | — | 4.0% |
| FY2019 | 17 | 12 | 1 | — | 6.7% |
| FY2018 | 13 | 11 | 1 | — | 7.9% |
| FY2017 | 18 | 14 | 1 | — | 7.7% |
| FY2016 | 14 | 12 | 0 | — | 7.2% |
| FY2015 | 10 | 8 | 2 | — | 6.9% |
| FY2014 | 4 | 3 | 1 | — | 6.4% |
| FY2013 | 2 | 2 | 0 | — | 6.0% |
| FY2012 | 1 | 1 | 0 | — | 6.3% |
| FY2011 | 5 | 3 | 2 | — | 6.9% |
| FY2010 | 6 | 3 | 1 | — | 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 | $325K | $190K |
| Average approval | $614K | $518K |
| Approvals of $150,000 or less | 26.1% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 41.9% | 34.3% |
| Approvals to franchise businesses | 18.7% | 11.5% |
| Jobs supported per approval, as reported | 16.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 6.8% | 6.6% |
States served
| # | State of the business (14 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Missouri | 120 | $63.9M | 59.1% | |
| 2 | Oklahoma | 54 | $28.3M | 26.6% | |
| 3 | Kansas | 6 | $3.0M | 3.0% | |
| 4 | Florida | 4 | $1.3M | 2.0% | |
| 5 | Colorado | 3 | $7.2M | 1.5% | |
| 6 | Idaho | 3 | $6.0M | 1.5% | |
| 7 | Texas | 3 | $2.0M | 1.5% | |
| 8 | Tennessee | 2 | — | 1.0% | |
| 9 | Iowa | 2 | — | 1.0% | |
| 10 | Arkansas | 2 | — | 1.0% | |
| 11 | Virginia | 1 | — | 0.5% | |
| 12 | Maryland | 1 | — | 0.5% |
In Missouri the lender accounts for 2.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (49 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Greene County, MO | 75 | $36.2M | 36.9% | |
| 2 | Tulsa County, OK | 18 | $10.7M | 8.9% | |
| 3 | Christian County, MO | 16 | $7.3M | 7.9% | |
| 4 | Oklahoma County, OK | 11 | $7.0M | 5.4% | |
| 5 | Washington County, OK | 7 | $2.4M | 3.4% | |
| 6 | Wagoner County, OK | 5 | $1.6M | 2.5% | |
| 7 | Jasper County, MO | 4 | $4.0M | 2.0% | |
| 8 | Camden County, MO | 4 | $1.4M | 2.0% | |
| 9 | Taney County, MO | 4 | $1.1M | 2.0% | |
| 10 | Cleveland County, OK | 4 | $432K | 2.0% | |
| 11 | Ada County, ID | 3 | $6.0M | 1.5% | |
| 12 | Webster County, MO | 3 | $1.6M | 1.5% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 32 | 15.8% | |
| 2 | Accommodation and Food Services | 27 | 13.3% | |
| 3 | Construction | 24 | 11.8% | |
| 4 | Health Care and Social Assistance | 22 | 10.8% | |
| 5 | Other Services (except Public Administration) | 22 | 10.8% | |
| 6 | Arts, Entertainment, and Recreation | 17 | 8.4% | |
| 7 | Manufacturing | 15 | 7.4% | |
| 8 | Professional, Scientific, and Technical Services | 9 | 4.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 21 | 10.3% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 16 | 7.9% | |
| 3 | Other Personal ServicesNAICS 8129 | 14 | 6.9% | |
| 4 | Beer, Wine, and Liquor StoresNAICS 4453 | 11 | 5.4% | |
| 5 | Offices of DentistsNAICS 6212 | 10 | 4.9% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 3.9% | |
| 7 | Other Heavy and Civil Engineering ConstructionNAICS 2379 | 6 | 3.0% | |
| 8 | Child Day Care ServicesNAICS 6244 | 5 | 2.5% | |
| 9 | Legal ServicesNAICS 5411 | 4 | 2.0% | |
| 10 | Couriers and Express Delivery ServicesNAICS 4921 | 4 | 2.0% |
Approval sizes
- $50,000 or less6.4%13
- $50,001 to $150,00019.7%40
- $150,001 to $350,00030.5%62
- $350,001 to $1 million27.1%55
- $1 million to $2 million8.4%17
- Over $2 million7.9%16
Loan terms
- 5 years or less3.4%7
- Over 5 to 10 years77.3%157
- Over 10 to 20 years6.4%13
- Over 20 years12.8%26
Age of the businesses
- Existing, more than 2 years old37.4%76
- New business, 2 years or less11.8%24
- Startup, loan funds will open the business30.0%61
- Change of ownership20.7%42
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 172 | 84.7% | |
| 2 | SBA Express Program | 23 | 11.3% | |
| 3 | Working Capital CAPLine | 6 | 3.0% | |
| 4 | 7a General | 2 | 1.0% |
Franchise share
38 of 203 approvals in FY2021–FY2025 (18.7%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | BLUSH Boot Camp | 22 | 10.8% | |
| 2 | QC Kinetix | 4 | 2.0% | |
| 3 | Little Caesars | 2 | 1.0% | |
| 4 | Quality Inn | 1 | 0.5% | |
| 5 | Macadoodles | 1 | 0.5% | |
| 6 | Urban Air Adventure Park | 1 | 0.5% | |
| 7 | Houston TX Hot Chicken | 1 | 0.5% | |
| 8 | EatGatherLove-Kitches Reimagined | 1 | 0.5% |
Questions and answers
How many SBA loans does Regent Bank make?
SBA approved 13 7(a) loans through Regent Bank in FY2025, worth $8.8M, and 203 over FY2021 to FY2025. That ranks 190th of 2,184 active 7(a) lenders by number of approvals.
How large are Regent Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $325K and the average $614K. The program-wide median was $190K.
What is Regent Bank's charge-off rate?
Of 147 disbursed loans approved in FY2010 to FY2021, SBA records 10 as charged off (6.8%), 91 as paid in full and 46 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to 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 Regent Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (21); other amusement and recreation industries (16); other personal services (14); beer, wine, and liquor stores (11).
Where does Regent Bank make SBA loans?
In 14 states and territories. Missouri 120, Oklahoma 54, Kansas 6, Florida 4, Colorado 3. In Missouri it accounts for 2.3% of all 7(a) approvals.
Is Regent Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 108, against 118 in the three before: broadly level (-8%).
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