FY20251 Oct 2024 – 30 Sep 2025
SBA loans in Arkansas, FY2025
That fiscal year's approvals by lender and by county.
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 FY2025 (1 October 2024 to 30 September 2025) SBA approved 421 loans in Arkansas: 401 under 7(a) and 20 under 504, worth $263M.
That is up 40% on FY2024, when there were 301 approvals worth $162M.
Arkansas accounted for 0.5% of the 84,840 approvals nationwide that year. 79 lenders had at least one approval in the state; Southern Bancorp Bank had the most, 41.
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.
Approvals by lender
The 40 lenders with the most approvals to Arkansas businesses in FY2025, of 79 active.
| # | Lender | Program | Approvals | Dollars | Share of state | FY2024 | Change |
|---|---|---|---|---|---|---|---|
| 1 | Southern Bancorp Bank | 7(a) | 41 | $23.2M | 9.7% | 18 | +23 |
| 2 | Northeast Bank | 7(a) | 34 | $5.2M | 8.1% | 10 | +24 |
| 3 | First Service Bank | 7(a) | 26 | $21.3M | 6.2% | 22 | +4 |
| 4 | U.S. Bank, National Association | 7(a) | 25 | $1.5M | 5.9% | 22 | +3 |
| 5 | Arvest Bank | 7(a) | 18 | $5.4M | 4.3% | 23 | -5 |
| 6 | Newtek Bank, National Association | 7(a) | 18 | $3.8M | 4.3% | 19 | -1 |
| 7 | Rural Missouri, Inc. | 504 | 17 | $12.5M | 4.0% | 12 | +5 |
| 8 | First Financial Bank | 7(a) | 16 | $21.7M | 3.8% | 8 | +8 |
| 9 | Live Oak Banking Company | 7(a) | 16 | $20.5M | 3.8% | 6 | +10 |
| 10 | The Huntington National Bank | 7(a) | 16 | $15.3M | 3.8% | 19 | -3 |
| 11 | FNBC Bank | 7(a) | 16 | $9.9M | 3.8% | 10 | +6 |
| 12 | Readycap Lending, LLC | 7(a) | 16 | $6.8M | 3.8% | 12 | +4 |
| 13 | Bank OZK | 7(a) | 10 | $4.6M | 2.4% | 3 | +7 |
| 14 | Celtic Bank Corporation | 7(a) | 9 | $1.7M | 2.1% | 2 | +7 |
| 15 | Commercial Bank & Trust Company | 7(a) | 7 | $3.9M | 1.7% | 1 | +6 |
| 16 | First Security Bank | 7(a) | 7 | $1.0M | 1.7% | 6 | +1 |
| 17 | BayFirst National Bank | 7(a) | 7 | $771K | 1.7% | 7 | 0 |
| 18 | Regions Bank | 7(a) | 6 | $7.4M | 1.4% | 4 | +2 |
| 19 | RiverBank | 7(a) | 6 | $1.4M | 1.4% | 8 | -2 |
| 20 | Lendistry SBLC, LLC | 7(a) | 6 | $1.1M | 1.4% | 6 | 0 |
| 21 | First Internet Bank of Indiana | 7(a) | 5 | $7.2M | 1.2% | 2 | +3 |
| 22 | United Midwest Savings Bank National Association | 7(a) | 5 | $1.7M | 1.2% | 5 | 0 |
| 23 | T Bank, National Association | 7(a) | 4 | $14.6M | 1.0% | 0 | new |
| 24 | Bank of America, National Association | 7(a) | 4 | $2.8M | 1.0% | 1 | +3 |
| 25 | Stone Bank | 7(a) | 3 | $5.2M | 0.7% | 1 | +2 |
| 26 | Encore Bank | 7(a) | 3 | $2.6M | 0.7% | 1 | +2 |
| 27 | Evolve Bank and Trust | 7(a) | 3 | $1.9M | 0.7% | 1 | +2 |
| 28 | Equity Bank | 7(a) | 3 | $1.6M | 0.7% | 0 | new |
| 29 | Wells Fargo Bank National Association | 7(a) | 3 | $1.5M | 0.7% | 4 | -1 |
| 30 | First Bank of the Lake | 7(a) | 3 | $1.1M | 0.7% | 4 | -1 |
| 31 | First Community Bank | 7(a) | 3 | $1.0M | 0.7% | 3 | 0 |
| 32 | Arkansas FCU | 7(a) | 3 | $785K | 0.7% | 6 | -3 |
| 33 | ACC Capital | 7(a) | 3 | $653K | 0.7% | 16 | -13 |
| 34 | Hanover Community Bank | 7(a) | 2 | — | 0.5% | 1 | +1 |
| 35 | First Horizon Bank | 7(a) | 2 | — | 0.5% | 0 | new |
| 36 | Capital Certified Development Corporation | 504 | 2 | — | 0.5% | 1 | +1 |
| 37 | VelocitySBA, LLC | 7(a) | 2 | — | 0.5% | 2 | 0 |
| 38 | FDIC - Community Bank & Trust-West Georgia | 7(a) | 2 | — | 0.5% | 0 | new |
| 39 | Truliant FCU | 7(a) | 2 | — | 0.5% | 0 | new |
| 40 | Bank Five Nine | 7(a) | 2 | — | 0.5% | 0 | new |
Approvals by county
| # | County | Approvals | Dollars | Share of state | FY2024 | Change |
|---|---|---|---|---|---|---|
| 1 | Pulaski County | 65 | $46.9M | 15.4% | 48 | +17 |
| 2 | Benton County | 56 | $36.8M | 13.3% | 49 | +7 |
| 3 | Washington County | 37 | $18.9M | 8.8% | 28 | +9 |
| 4 | Saline County | 23 | $6.9M | 5.5% | 7 | +16 |
| 5 | Sebastian County | 20 | $17.4M | 4.8% | 13 | +7 |
| 6 | Garland County | 19 | $8.7M | 4.5% | 9 | +10 |
| 7 | Faulkner County | 14 | $12.0M | 3.3% | 20 | -6 |
| 8 | Craighead County | 12 | $11.8M | 2.9% | 8 | +4 |
| 9 | Union County | 11 | $4.5M | 2.6% | 3 | +8 |
| 10 | White County | 9 | $7.6M | 2.1% | 9 | 0 |
| 11 | Lonoke County | 8 | $1.0M | 1.9% | 8 | 0 |
| 12 | Randolph County | 8 | $3.0M | 1.9% | 9 | -1 |
| 13 | Madison County | 8 | $6.1M | 1.9% | 1 | +7 |
| 14 | Jefferson County | 8 | $7.8M | 1.9% | 10 | -2 |
| 15 | Carroll County | 7 | $2.6M | 1.7% | 5 | +2 |
| 16 | Drew County | 7 | $3.5M | 1.7% | 2 | +5 |
| 17 | Crawford County | 5 | $593K | 1.2% | 1 | +4 |
| 18 | Ashley County | 5 | $1.1M | 1.2% | 0 | new |
| 19 | Baxter County | 5 | $578K | 1.2% | 5 | 0 |
| 20 | Boone County | 5 | $2.2M | 1.2% | 7 | -2 |
| 21 | Conway County | 5 | $1.3M | 1.2% | 2 | +3 |
| 22 | Clark County | 4 | $1.5M | 1.0% | 5 | -1 |
| 23 | Lawrence County | 4 | $6.4M | 1.0% | 0 | new |
| 24 | Crittenden County | 4 | $3.6M | 1.0% | 4 | 0 |
| 25 | Marion County | 4 | $1.1M | 1.0% | 0 | new |
| 26 | Cleburne County | 4 | $4.5M | 1.0% | 2 | +2 |
| 27 | Independence County | 3 | $748K | 0.7% | 0 | new |
| 28 | Mississippi County | 3 | $859K | 0.7% | 1 | +2 |
| 29 | Cleveland County | 3 | $2.6M | 0.7% | 3 | 0 |
| 30 | Greene County | 3 | $2.4M | 0.7% | 1 | +2 |
| 31 | Lafayette County | 3 | $3.0M | 0.7% | 0 | new |
| 32 | Clay County | 3 | $2.6M | 0.7% | 1 | +2 |
| 33 | Stone County | 3 | $388K | 0.7% | 4 | -1 |
| 34 | Monroe County | 3 | $8.5M | 0.7% | 0 | new |
| 35 | Pope County | 2 | — | 0.5% | 4 | -2 |
| 36 | Polk County | 2 | — | 0.5% | 0 | new |
| 37 | Jackson County | 2 | — | 0.5% | 0 | new |
| 38 | Columbia County | 2 | — | 0.5% | 1 | +1 |
| 39 | Chicot County | 2 | — | 0.5% | 1 | +1 |
| 40 | Van Buren County | 2 | — | 0.5% | 2 | 0 |
The 40 counties with the most approvals; every county is on the Arkansas page.
FY2025 against FY2024
| Arkansas | FY2025 | FY2024 |
|---|---|---|
| 7(a) approvals | 401 | 286 |
| 7(a) dollars | $247M | $144M |
| Median 7(a) approval | $249K | $191K |
| 504 approvals | 20 | 15 |
| 504 dollars | $15.5M | $18.3M |
| Jobs supported, as reported | 4,194 | 2,643 |
Questions and answers
Which lenders made the most SBA loans in Arkansas in FY2025?
Southern Bancorp Bank (41), Northeast Bank (34), First Service Bank (26), U.S. Bank, National Association (25), Arvest Bank (18). 79 lenders had at least one approval.
How many SBA loans were approved in Arkansas in FY2025?
421: 401 under 7(a) worth $247M and 20 under 504 worth $15.5M.
Which Arkansas counties had the most SBA approvals in FY2025?
Pulaski County (65), Benton County (56), Washington County (37), Saline County (23), Sebastian County (20).
When does FY2025 start and end?
The federal fiscal year 2025 runs from 1 October 2024 to 30 September 2025.
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