SBA lender profile
Heritage Bank
Heritage Bank appears in the public SBA loan data with 919 funded 7(a) loans since FY2010, totaling $460.1M, an average of $501K per loan, and an estimated 14,505 jobs supported. Its SBA lending concentrates in Washington and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 2.0%. 60.9% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 80
- Scale 89
- Activity 87
- Consistency 91
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Heritage Bank the right lender for you?
Lenders fund what they know. Heritage Bank's SBA lending concentrates in Washington (787 loans) and Accommodation and Food Services (177 loans), at an average loan of $501K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $82M
- Headquarters
- Mannford, OK
- FDIC cert
- #11523
- Status
- Inactive
Where Heritage Bank lends
Top states by funded SBA volume.
Metro areas where Heritage Bank funds
What Heritage Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 177 | $86.2M |
| Manufacturing | 100 | $67.0M |
| Construction | 90 | $54.3M |
| Wholesale Trade | 53 | $50.8M |
| Professional and Technical Services | 100 | $48.6M |
| Retail Trade | 103 | $41.4M |
Heritage Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 66 | $22.9M |
| 2011 | 66 | $27.9M |
| 2012 | 41 | $17.4M |
| 2013 | 59 | $23.2M |
| 2014 | 72 | $22.5M |
| 2015 | 74 | $39.3M |
| 2016 | 78 | $28.9M |
| 2017 | 76 | $36.8M |
| 2018 | 60 | $22.4M |
| 2019 | 56 | $45.4M |
| 2020 | 34 | $15.2M |
| 2021 | 53 | $34.7M |
| 2022 | 35 | $26.1M |
| 2023 | 30 | $26.3M |
| 2024 | 40 | $19.2M |
| 2025 | 53 | $43.0M |
| 2026 | 26 | $9.0M |
Related SBA lenders
Other lenders active in Washington or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Heritage Bank: frequently asked questions
Does Heritage Bank offer SBA loans?
Yes. Heritage Bank appears in the public SBA data with 919 funded SBA 7(a) loans totaling $460.1M.
How many SBA loans has Heritage Bank made?
Heritage Bank is associated with 919 SBA 7(a) loans totaling $460.1M in the public SBA data (as of 2026-03-31).
What is Heritage Bank's SBA charge-off rate?
About 2.0% of Heritage Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Heritage Bank do most of its SBA lending?
Heritage Bank's SBA lending in the data is most concentrated in Washington, and by industry in Accommodation and Food Services.
Is Heritage Bank an SBA Preferred Lender (PLP)?
The loan record shows Heritage Bank operating under PLP delegated authority: 560 of its 7(a) loans (60.9%) were processed through the Preferred Lenders Program, including 61 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Heritage Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/heritage-bank/
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