diff --git a/esphome/components/ota/ota_backend.h b/esphome/components/ota/ota_backend.h
index bc603a6e9e..cc6ef365be 100644
--- a/esphome/components/ota/ota_backend.h
+++ b/esphome/components/ota/ota_backend.h
@@ -74,7 +74,15 @@ class OTAComponent : public Component {
    * (like web_server OTA) to ensure listeners execute in the main loop.
    */
   void notify_state_deferred_(OTAState state, float progress, uint8_t error) {
-    this->defer([this, state, progress, error]() { this->notify_state_(state, progress, error); });
+    // Pack state, error, and progress into a single uint32_t so the lambda
+    // captures only [this, packed] (8 bytes) — fits in std::function SBO.
+    // Layout: [state:8][error:8][progress_fixed:16] where progress is 0–10000 (0.01% resolution)
+    uint32_t packed = (static_cast<uint32_t>(state) << 24) | (static_cast<uint32_t>(error) << 16) |
+                      static_cast<uint16_t>(progress * 100.0f);
+    this->defer([this, packed]() {
+      this->notify_state_(static_cast<OTAState>(packed >> 24), static_cast<float>(packed & 0xFFFF) / 100.0f,
+                          static_cast<uint8_t>(packed >> 16));
+    });
   }
 
   std::vector<OTAStateListener *> state_listeners_;