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County40th of 58 in California by approvalsFIPS 06103
SBA loans in Tehama County, California
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Tehama County, California, received 56 SBA loan approvals worth $32.6M in FY2021 to FY2025 (52 7(a), 4 504).
That is 56.1 approvals per 1,000 business establishments (999 establishments in 2023), above the California figure of 40.8 and above the national 41.0.
It ranks 40th of 58 California counties with approvals. In FY2025 there were 16, up 14% on FY2024.
25 lenders had approvals here; the most active were Columbia Bank (8), U.S. Bank, National Association (6) and Plumas Bank (5). The most common industry was traveler accommodation.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Tehama County
By number of approvals to businesses in the county, FY2021–FY2025; 25 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 8 | $2.7M | 14.3% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 6 | $2.3M | 10.7% | |
| 3 | Plumas BankQuincy, CA | 5 | $759K | 8.9% | |
| 4 | Banner BankWalla Walla, WA | 5 | $283K | 8.9% | |
| 5 | Mission Valley BankSun Valley, CA | 4 | $2.1M | 7.1% | |
| 6 | Greater Sacramento Certified Development CorporationNorth Highlands, CA · CDC | 3 | $3.2M | 5.4% | |
| 7 | Lendistry SBLC, LLCLos Angeles, CA | 3 | $355K | 5.4% | |
| 8 | West Coast Community BankSanta Cruz, CA | 2 | — | 3.6% | |
| 9 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 3.6% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 2 | — | 3.6% | |
| 11 | Northeast BankLewiston, ME | 2 | — | 3.6% | |
| 12 | Pinnacle BankMorgan Hill, CA | 1 | — | 1.8% | |
| 13 | Mega BankSan Gabriel, CA | 1 | — | 1.8% | |
| 14 | East West BankPasadena, CA | 1 | — | 1.8% | |
| 15 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 6 | 10.7% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 8.9% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 8.9% | |
| 4 | Death Care ServicesNAICS 8122 | 4 | 7.1% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 3 | 5.4% | |
| 6 | Automobile DealersNAICS 4411 | 2 | 3.6% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 3.6% | |
| 8 | Specialty Food StoresNAICS 4452 | 2 | 3.6% | |
| 9 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 2 | 3.6% | |
| 10 | Support Activities for Crop ProductionNAICS 1151 | 2 | 3.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 12 | 21.4% | |
| 2 | Retail Trade | 10 | 17.9% | |
| 3 | Other Services (except Public Administration) | 9 | 16.1% | |
| 4 | Construction | 6 | 10.7% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 4 | 7.1% | |
| 6 | Agriculture, Forestry, Fishing and Hunting | 4 | 7.1% | |
| 7 | Wholesale Trade | 3 | 5.4% | |
| 8 | Professional, Scientific, and Technical Services | 3 | 5.4% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 13 | $10.5M | $590K | 3 | $1.7M | 16 | 205 |
| FY2025 | 15 | $2.2M | $103K | 1 | — | 16 | 105 |
| FY2024 | 13 | $6.5M | $150K | 1 | — | 14 | 93 |
| FY2023 | 1 | — | — | 0 | — | 1 | 6 |
| FY2022 | 12 | $9.2M | $524K | 2 | — | 14 | 136 |
| FY2021 | 11 | $8.5M | $618K | 0 | — | 11 | 105 |
| FY2020 | 9 | $15.1M | $573K | 2 | — | 11 | 42 |
| FY2019 | 7 | $1.4M | $59K | 3 | $1.8M | 10 | 56 |
| FY2018 | 9 | $893K | $50K | 2 | — | 11 | 76 |
| FY2017 | 16 | $7.6M | $204K | 1 | — | 17 | 175 |
| FY2016 | 15 | $7.8M | $320K | 0 | — | 15 | 195 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 64 approvals.
Against California and the country
| FY2021–FY2025 | Tehama County | California | United States |
|---|---|---|---|
| Approvals | 56 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 56.1 | 40.8 | 41.0 |
| Median 7(a) approval | $202K | $250K | $190K |
| Median 504 approval | $614K | $884K | $657K |
| Average approval | $583K | $733K | $573K |
| 504 share of approvals | 7.1% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 7.9 | 11.0 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less21.4%12
- $50,001 to $150,00023.2%13
- $150,001 to $350,00012.5%7
- $350,001 to $1 million25.0%14
- $1 million to $2 million8.9%5
- Over $2 million8.9%5
Age of the businesses
- Existing, more than 2 years old60.7%34
- New business, 2 years or less19.6%11
- Startup, loan funds will open the business7.1%4
- Change of ownership12.5%7
Questions and answers
Which lenders make the most SBA loans in Tehama County?
By approvals in FY2021 to FY2025: Columbia Bank (8), U.S. Bank, National Association (6), Plumas Bank (5), Banner Bank (5), Mission Valley Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Tehama County?
The median 7(a) approval was $202K and the median 504 approval $614K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Tehama County?
Traveler Accommodation (6); Automotive Repair and Maintenance (5); Restaurants and Other Eating Places (5); Death Care Services (4); Services to Buildings and Dwellings (3).
Is SBA lending in Tehama County rising?
Approvals in the three latest complete fiscal years total 31, against 36 in the three before: falling (-14%).
How does Tehama County compare with the rest of California?
56.1 approvals per 1,000 establishments against 40.8 statewide, and 56 of the state's 42,016 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error