Best SBA 7(a) lenders for support activities for oil and gas operations
The top SBA 7(a) lenders for support activities for oil and gas operations (NAICS 213112) are Western Commerce Bank, Bank of Hays, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 330 loans totaling $266.4M to businesses in this industry. Average loan size: $807K. Average rate: 7.91%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
330
Total $
$266.4M
Avg loan
$807K
Avg rate
7.91%
Avg term
109 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Western Commerce Bank | 58 | $27.6M | $476K | 7.60% | 0.00% |
| 2 | Bank of Hays | 17 | $3.9M | $232K | 6.91% | 0.00% |
| 3 | Northeast Bank | 17 | $4.1M | $242K | 11.04% | — |
| 4 | Legacy Bank | 12 | $1.2M | $104K | 5.68% | 0.00% |
| 5 | Newtek Bank, National Association | 11 | $20.5M | $1.9M | 11.27% | 0.00% |
| 6 | Newtek Small Business Finance, Inc. | 9 | $24.7M | $2.7M | 6.81% | 0.00% |
| 7 | Wells Fargo Bank National Association | 8 | $110K | $14K | 10.53% | 0.00% |
| 8 | Zions Bank, A Division of | 8 | $2.0M | $248K | 9.70% | 0.00% |
| 9 | Colony Bank | 8 | $19.2M | $2.4M | 8.34% | 0.00% |
| 10 | First State Bank & Trust | 6 | $4.0M | $663K | 5.88% | 0.00% |
| 11 | FMS Bank | 6 | $8.8M | $1.5M | 7.04% | 0.00% |
| 12 | BancFirst | 5 | $2.3M | $455K | 6.25% | 0.00% |
| 13 | American Momentum Bank | 5 | $4.9M | $989K | 8.90% | 0.00% |
| 14 | Great Plains National Bank | 5 | $2.2M | $444K | 9.50% | 0.00% |
| 15 | BayFirst National Bank | 5 | $678K | $136K | 13.00% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 213112. Charge-off rates are calculated on the FY2020–FY2023 cohort only.