BancFirst: SBA Lending Record
What SBA's own loan files show about BancFirst as an SBA lender, and how a lender's record bears on a feasibility study.
The FY2017 to FY2026 record for BancFirst runs to 1,173 approved loans and $469.6 million gross. The $469.6 million for BancFirst counts approved dollars, not balances. BancFirst holds all 1,173 loans under SBA 7(a). BancFirst has 0 loans under SBA 504. BancFirst holds or held every loan listed. 1,173 loans carry SBA's guarantee, not BancFirst's. BancFirst is the lender SBA shows holding 1,173 loans now, or last holding them. BancFirst reflects only SBA 7(a) rules. Here, BancFirst means the holder SBA names. BancFirst's 1,173 loans span FY2017 to FY2026 approvals.
BancFirst: classes and geography
Classes for BancFirst begin with limited-service restaurant with 65 loans; full-service restaurant with 54 loans; fitness center with 18 loans. Outside those classes, the file credits BancFirst with 901 more loans. BancFirst's list shows a slice of 1,173 loans. BancFirst lists 65 loans in limited-service restaurant. BancFirst's state listing: Oklahoma with 1,150 loans; Texas with 11 loans. BancFirst's sample for Oklahoma sites is 1,150 loans. BancFirst's counts are a map only.
BancFirst: cancellations and charge-offs
14.0% of BancFirst approvals, FY2017 to FY2024, were cancelled. For BancFirst, 14.0% is a floor. BancFirst's floor stops at FY2024 approvals. For BancFirst, 14.6% is the ceiling. The BancFirst ceiling counts undisbursed loans as cancelled. The BancFirst rate sits between 14.0% and 14.6%. BancFirst: the cohort runs FY2017 to FY2021. BancFirst's cohort holds 546 disbursed loans. 3.8% of BancFirst loans are charged off to date. For BancFirst, 3.8% is a floor. BancFirst: the two rates cover different loans. BancFirst: 1.6% charged off within 5 years.
BancFirst: testing a project
BancFirst's $469.6 million and 1,173 loans are on record. At BancFirst, demand comes first: who pays? For BancFirst, cost is second; 1,173 loans do not replace a quote. For BancFirst, third is debt service coverage. BancFirst: 3.8% and 14.0% are floors. At BancFirst, the appraisal comes last: 1,173 loans cannot set your value. BancFirst's record cannot settle cost. Here BancFirst is a holder, not a verdict. BancFirst's 1,173 loans state nothing about its requirements. Ask BancFirst directly. Test first, then compare with BancFirst's 1,173 loans. Ask BancFirst what a complete study contains.
SBA loans held by BancFirst
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 1,173 |
|---|---|
| Gross dollars approved | $469.6 million |
| SBA 7(a) loans | 1,173 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 14.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 14.6% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.8% |
| Charged off within five years of approval | 1.6% |
| Loans in that cohort | 546 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 901 |
| Limited-service restaurant | 65 |
| Full-service restaurant | 54 |
| Fitness center | 18 |
| Automotive mechanical repair (car and truck) | 17 |
| Coffee shop and snack bar | 15 |
| Child care center | 11 |
| Veterinary clinic | 10 |
| Gas station and truck stop | 8 |
| Beverage manufacturing (breweries, wineries, distilleries) | 8 |
| Medical office (physicians) | 8 |
| Beauty salon | 8 |
| Car wash | 7 |
| Self storage | 7 |
| Rehabilitation and therapy clinic | 7 |
| Liquor store | 7 |
| Hotel and motel | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-27476.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by BancFirst or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Request Scope & Timeline
Start with the data.
Contact Us