SBA lender profile
SpiritBank
SpiritBank appears in the public SBA loan data with 61 funded 7(a) loans totaling $45.9M, an average of $753K per loan, and an estimated 841 jobs supported. Its SBA lending concentrates in Oklahoma and the Accommodation and Food Services sector. Across all of its loans in the data, its charge-off rate is 11.5%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
61
Total volume
$45.9M
Average loan size
$753K
Charge-off rate
11.5%
Share of funded loans charged off
Jobs supported (reported)
841
Programs
7(a)
Bank profile
via FDIC- Total assets
- $940M
- Headquarters
- Tulsa, OK
- FDIC cert
- #4048
- Status
- Active
Where SpiritBank lends
Top states by funded SBA volume.
What SpiritBank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 27 | $12.7M |
| Manufacturing | 7 | $10.7M |
| Wholesale Trade | 2 | $4.7M |
| Other Services | 2 | $4.2M |
| Real Estate | 1 | $4.0M |
| Construction | 4 | $2.8M |
SpiritBank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 10 | $8.5M |
| 2021 | 15 | $14.9M |
| 2022 | 15 | $9.4M |
| 2023 | 17 | $9.1M |
| 2024 | 3 | $2.4M |
| 2025 | 1 | $1.7M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of SpiritBank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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