SBA lending by metro area
SBA lenders in Fort Smith, AR
Which lenders fund Fort Smith-area businesses, how much, and how the market compares with Arkansas: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Fort Smith area
Ranked by SBA volume funded to businesses located in the Fort Smith metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 14 | $15.1M | $1.1M | not reported |
| 2 | Citizens Bank | 6 | $13.1M | $2.2M | not reported |
| 3 | Bank OZK | 24 | $11.8M | $492K | 0.00% |
| 4 | First Financial Bank | 5 | $10.3M | $2.1M | not reported |
| 5 | Arvest Bank | 35 | $7.0M | $200K | 5.71% |
| 6 | Armstrong Bank | 8 | $6.9M | $866K | not reported |
| 7 | Simmons Bank | 16 | $6.5M | $408K | not reported |
| 8 | Regions Bank | 10 | $4.0M | $395K | not reported |
| 9 | Rural Missouri, Inc. | 5 | $3.8M | $750K | not reported |
| 10 | The First National Bank of Fort Smith | 14 | $3.7M | $265K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Fort Smith compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Fort Smith area | $200K | 4.6% ▼ 0.6 pts |
| Arkansas | $200K | 5.2% |
| United States | $179K | 11.2% |
What gets funded in Fort Smith
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 52 | $48.5M |
| Accommodation and Food Services | 37 | $28.1M |
| Agriculture, Forestry, Fishing | 19 | $17.2M |
| Health Care and Social Assistance | 30 | $15.9M |
| Manufacturing | 21 | $13.1M |
| Construction | 40 | $8.4M |
| Professional and Technical Services | 24 | $8.3M |
| Arts, Entertainment, Recreation | 13 | $7.3M |
SBA lending in Fort Smith by year
Geography, precisely
"Fort Smith area" here means the Fort Smith, AR-OK metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Crawford County, AR; Sebastian County, AR; Sequoyah County, OK. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.