Lenders › Security Bank
7(a) lenderTulsa, OklahomaFDIC-insured bank425th of 2,184 by approvals
Security 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 66 7(a) loans, worth $48.9M, through Security Bank of Tulsa, Oklahoma, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 425th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 5 approvals totalling $3.9M, down 50% on FY2024 (10). FY2026 to 30 Jun 2026 adds 5 more.
The median approval was $446K, against $190K for the 7(a) program as a whole; 13.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 4 states and territories and 12 counties, led by Oklahoma (90.9%), Texas (4.5%) and Arkansas (3.0%). The largest industry group was accommodation and food services at 30.3% of approvals, and 16.7% of approvals were to franchise businesses.
Of 194 disbursed loans approved in FY2010 to FY2021, SBA records 26 as charged off (13.4%), 147 as paid in full and 21 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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* | 5 | $3.1M | $299K | $621K | 66 |
| FY2025 | 5 | $3.9M | $375K | $774K | 243 |
| FY2024 | 10 | $4.1M | $352K | $415K | 165 |
| FY2023 | 13 | $8.3M | $438K | $642K | 144 |
| FY2022 | 21 | $21.5M | $698K | $1.0M | 452 |
| FY2021 | 17 | $11.0M | $350K | $650K | 534 |
| FY2020 | 14 | $3.7M | $133K | $265K | 248 |
| FY2019 | 11 | $6.4M | $350K | $583K | 265 |
| FY2018 | 11 | $9.1M | $675K | $829K | 327 |
| FY2017 | 14 | $5.0M | $270K | $358K | 362 |
| FY2016 | 23 | $5.1M | $123K | $221K | 239 |
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 73 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 | 207 | 5,893 | 639,905 |
| Cancelled or never disbursed | 13 | 643 | 79,313 |
| Disbursed loans | 194 | 5,250 | 560,592 |
| Paid in full | 147 | 3,941 | 435,813 |
| Charged off | 26 | 354 | 36,891 |
| Still outstanding (status exempt from disclosure) | 21 | 955 | 87,888 |
| Charged off, share of disbursed loans | 13.4% | 6.7% | 6.6% |
| Dollars charged off, share of disbursed dollars | 7.2% | 3.6% | 2.5% |
| Dollars charged off | $5.8M | $87.7M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 16 | 9 | 1 | — | 2.8% |
| FY2020 | 14 | 11 | 0 | — | 4.0% |
| FY2019 | 10 | 5 | 0 | — | 6.7% |
| FY2018 | 11 | 7 | 0 | — | 7.9% |
| FY2017 | 12 | 12 | 0 | — | 7.7% |
| FY2016 | 23 | 16 | 7 | — | 7.2% |
| FY2015 | 13 | 9 | 3 | — | 6.9% |
| FY2014 | 11 | 10 | 1 | — | 6.4% |
| FY2013 | 24 | 22 | 1 | — | 6.0% |
| FY2012 | 23 | 18 | 4 | — | 6.3% |
| FY2011 | 26 | 20 | 6 | — | 6.9% |
| FY2010 | 11 | 8 | 3 | — | 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 | $446K | $190K |
| Average approval | $741K | $518K |
| Approvals of $150,000 or less | 13.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 47.0% | 34.3% |
| Approvals to franchise businesses | 16.7% | 11.5% |
| Jobs supported per approval, as reported | 23.3 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 13.4% | 6.6% |
States served
| # | State of the business (4 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Oklahoma | 60 | $47.1M | 90.9% | |
| 2 | Texas | 3 | $595K | 4.5% | |
| 3 | Arkansas | 2 | — | 3.0% | |
| 4 | Kansas | 1 | — | 1.5% |
In Oklahoma the lender accounts for 2.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (12 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Tulsa County, OK | 43 | $30.4M | 65.2% | |
| 2 | Creek County, OK | 5 | $9.2M | 7.6% | |
| 3 | Rogers County, OK | 3 | $2.5M | 4.5% | |
| 4 | Tarrant County, TX | 3 | $595K | 4.5% | |
| 5 | Wagoner County, OK | 2 | — | 3.0% | |
| 6 | Pawnee County, OK | 2 | — | 3.0% | |
| 7 | Washington County, OK | 2 | — | 3.0% | |
| 8 | Washington County, AR | 2 | — | 3.0% | |
| 9 | Oklahoma County, OK | 1 | — | 1.5% | |
| 10 | Johnson County, KS | 1 | — | 1.5% | |
| 11 | Mayes County, OK | 1 | — | 1.5% | |
| 12 | Payne County, OK | 1 | — | 1.5% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 20 | 30.3% | |
| 2 | Construction | 8 | 12.1% | |
| 3 | Manufacturing | 7 | 10.6% | |
| 4 | Transportation and Warehousing | 5 | 7.6% | |
| 5 | Health Care and Social Assistance | 5 | 7.6% | |
| 6 | Retail Trade | 5 | 7.6% | |
| 7 | Other Services (except Public Administration) | 5 | 7.6% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 4 | 6.1% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 15 | 22.7% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 5 | 7.6% | |
| 3 | General Freight TruckingNAICS 4841 | 4 | 6.1% | |
| 4 | Other Fabricated Metal Product ManufacturingNAICS 3329 | 4 | 6.1% | |
| 5 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 4 | 6.1% | |
| 6 | Sporting Goods, Hobby, and Musical Instrument StoresNAICS 4511 | 3 | 4.5% | |
| 7 | Oil and Gas ExtractionNAICS 2111 | 3 | 4.5% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 3 | 4.5% | |
| 9 | Activities Related to Real EstateNAICS 5313 | 3 | 4.5% | |
| 10 | Other Personal ServicesNAICS 8129 | 2 | 3.0% |
Approval sizes
- $50,000 or less3.0%2
- $50,001 to $150,00010.6%7
- $150,001 to $350,00030.3%20
- $350,001 to $1 million33.3%22
- $1 million to $2 million13.6%9
- Over $2 million9.1%6
Loan terms
- 5 years or less15.2%10
- Over 5 to 10 years47.0%31
- Over 10 to 20 years33.3%22
- Over 20 years4.5%3
Age of the businesses
- Existing, more than 2 years old50.0%33
- New business, 2 years or less13.6%9
- Startup, loan funds will open the business33.3%22
- Change of ownership3.0%2
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | 7a General | 40 | 60.6% | |
| 2 | SBA Express Program | 23 | 34.8% | |
| 3 | Working Capital CAPLine | 1 | 1.5% | |
| 4 | Preferred Lenders Program | 1 | 1.5% | |
| 5 | 7(a) WCP | 1 | 1.5% |
Franchise share
11 of 66 approvals in FY2021–FY2025 (16.7%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Jinya Ramen Bar | 2 | 3.0% | |
| 2 | Play It Again Sports | 2 | 3.0% | |
| 3 | Keyrenter Property Managment | 2 | 3.0% | |
| 4 | HobbyTown | 1 | 1.5% | |
| 5 | Dog Training Elite | 1 | 1.5% | |
| 6 | Scooter's Coffee | 1 | 1.5% | |
| 7 | Goodcents | 1 | 1.5% | |
| 8 | Jersey Mike’s Subs | 1 | 1.5% |
Questions and answers
How many SBA loans does Security Bank make?
SBA approved 5 7(a) loans through Security Bank in FY2025, worth $3.9M, and 66 over FY2021 to FY2025. That ranks 425th of 2,184 active 7(a) lenders by number of approvals.
How large are Security Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $446K and the average $741K. The program-wide median was $190K.
What is Security Bank's charge-off rate?
Of 194 disbursed loans approved in FY2010 to FY2021, SBA records 26 as charged off (13.4%), 147 as paid in full and 21 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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 Security Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (15); building equipment contractors (5); general freight trucking (4); other fabricated metal product manufacturing (4).
Where does Security Bank make SBA loans?
In 4 states and territories. Oklahoma 60, Texas 3, Arkansas 2, Kansas 1. In Oklahoma it accounts for 2.3% of all 7(a) approvals.
Is Security Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 28, against 52 in the three before: falling (-46%).
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