SBA lender profile
SpiritBank
SpiritBank appears in the public SBA loan data with 86 funded 7(a) loans since FY2010, totaling $60.3M, an average of $701K per loan, and an estimated 1,117 jobs supported. Its SBA lending concentrates in Oklahoma and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 8.1%. 5.8% 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 52
- Scale 54
- Activity 63
- Consistency 65
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is SpiritBank the right lender for you?
Lenders fund what they know. SpiritBank's SBA lending concentrates in Oklahoma (67 loans) and Accommodation and Food Services (32 loans), at an average loan of $701K. 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
- $940M
- Headquarters
- Tulsa, OK
- FDIC cert
- #4048
- Status
- Active
Where SpiritBank lends
Top states by funded SBA volume.
Metro areas where SpiritBank funds
What SpiritBank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 32 | $18.3M |
| Manufacturing | 12 | $13.7M |
| Wholesale Trade | 4 | $5.6M |
| Other Services | 3 | $5.2M |
| Real Estate | 1 | $4.0M |
| Professional and Technical Services | 6 | $3.2M |
SpiritBank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2011 | 1 | $54K |
| 2012 | 1 | $340K |
| 2013 | 1 | $185K |
| 2016 | 1 | $262K |
| 2017 | 1 | $300K |
| 2018 | 6 | $2.0M |
| 2019 | 14 | $11.2M |
| 2020 | 10 | $8.5M |
| 2021 | 15 | $14.9M |
| 2022 | 15 | $9.4M |
| 2023 | 17 | $9.1M |
| 2024 | 3 | $2.4M |
| 2025 | 1 | $1.7M |
Related SBA lenders
Other lenders active in Oklahoma or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
SpiritBank: frequently asked questions
Does SpiritBank offer SBA loans?
Yes. SpiritBank appears in the public SBA data with 86 funded SBA 7(a) loans totaling $60.3M.
How many SBA loans has SpiritBank made?
SpiritBank is associated with 86 SBA 7(a) loans totaling $60.3M in the public SBA data (as of 2026-03-31).
What is SpiritBank's SBA charge-off rate?
About 8.1% of SpiritBank'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 SpiritBank do most of its SBA lending?
SpiritBank's SBA lending in the data is most concentrated in Oklahoma, and by industry in Accommodation and Food Services.
Is SpiritBank an SBA Preferred Lender (PLP)?
The loan record shows SpiritBank operating under PLP delegated authority: 5 of its 7(a) loans (5.8%) were processed through the Preferred Lenders Program, including 3 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). SpiritBank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/spiritbank/
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