Bank OZK: SBA business acquisition lending record
Bank OZK (home state AR) approved 32 SBA 7(a) loans to buy existing businesses since FY2018, totaling $30.8M. The median loan was $561,550. It ranks number 239 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $289,200 and $1,206,850. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Arkansas is the largest state (38% of loans). Loans appear in only 6 states, which points to a regional lender.
- Industry concentration. Freight Transportation Arrangement is 6% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 216 SBA 7(a) loans of any purpose since FY2020, totaling $99.1M. 72% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 13% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Of its loans from FY2018 to FY2021: 7.1% charged off, 103% higher than the 3.5% national average.
Bank OZK acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $3.4M | $469,750 | |
| FY2019 | 5 | $8.8M | $936,000 | |
| FY2020 | 10 | $7M | $436,550 | |
| FY2021 | 9 | $6.2M | $450,000 | |
| FY2022 | 1 | $3.4M | $3,395,300 | |
| FY2023 | 1 | $282K | $282,000 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 2 | $1.8M | $907,350 | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Of the 28 Bank OZK acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 2 have been charged off by the SBA, a rate of 7.1% by loan count and 4.6% by dollars. 14 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Bank OZK is 103% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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States served
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Arkansas | 12 | 37.5% | $17M | |
| 2 | Georgia | 9 | 28.1% | $6M | |
| 3 | Texas | 4 | 12.5% | $3.7M | |
| 4 | Florida | 4 | 12.5% | $1.4M | |
| 5 | North Carolina | 2 | 6.3% | $302K | |
| 6 | South Carolina | 1 | 3.1% | $2.5M |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Freight Transportation Arrangement | 2 | 6.3% | $2.5M | |
| 2 | Assisted Living Facilities for the Elderly | 2 | 6.3% | $2.1M | |
| 3 | Other Commercial and Industrial Machinery and Equipment Rental and Leasing | 1 | 3.1% | $5M | |
| 4 | Plumbing, Heating, and Air-Conditioning Contractors | 1 | 3.1% | $2.5M | |
| 5 | Broilers and Other Meat Type Chicken Production | 1 | 3.1% | $2.1M | |
| 6 | All Other Amusement and Recreation Industries | 1 | 3.1% | $1.7M | |
| 7 | Office Supplies and Stationery Retailers | 1 | 3.1% | $1.2M | |
| 8 | Nursery, Garden Center, and Farm Supply Retailers | 1 | 3.1% | $1.2M | |
| 9 | Lessors of Miniwarehouses and Self-Storage Units | 1 | 3.1% | $1M |
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Franchise brands financed
Questions buyers ask
Does Bank OZK make SBA acquisition loans?
Yes. Bank OZK approved 32 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 239 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are Bank OZK's acquisition loans?
The median was $561,550, with the middle half between $289,200 and $1,206,850. The national median is $645,250, so this lender's typical loan is 13% lower than the national figure.
Which states does Bank OZK lend in?
Arkansas (12), Georgia (9), Texas (4), Florida (4), North Carolina (2), South Carolina (1). Its loans appear in 6 states, so it is closer to a regional lender.
Which industries does Bank OZK finance?
Freight Transportation Arrangement (2), Assisted Living Facilities for the Elderly (2), Other Commercial and Industrial Machinery and Equipment Rental and Leasing (1), Plumbing, Heating, and Air-Conditioning Contractors (1), Broilers and Other Meat Type Chicken Production (1). The top industry is 6% of its acquisition loans.
How have Bank OZK's acquisition loans performed?
Of 28 loans approved FY2018 to FY2021: 7.1% charged off, 103% higher than the 3.5% national acquisition average. Charge-offs reflect the borrowers and industries a lender serves as well as its underwriting.
Terms signed in the LOI shape the purchase agreement that follows.
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Related
- Arkansas acquisitions
- Georgia acquisitions
- Texas acquisitions
- Freight Transportation Arrangement
- Assisted Living Facilities for the Elderly
- Other Commercial and Industrial Machinery and Equipment Rental and Leasing
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Bank OZK.