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County5th of 43 in Idaho by approvalsFIPS 16005
SBA loans in Bannock County, Idaho
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.
SBA approved 146 loans to businesses in Bannock County, Idaho, in FY2021 to FY2025, worth $57.3M: 114 under 7(a) and 32 under 504.
That is 62.0 approvals per 1,000 business establishments (2,353 establishments in 2023), close to the Idaho figure of 56.7 and above the national 41.0.
It ranks 5th of 43 Idaho counties with approvals. In FY2025 there were 38, up 23% on FY2024.
34 lenders had approvals here; the most active were Zions Bank, A Division of (31), Idaho Central CU (14) and Eastern Idaho Development Corporation (12). The most common industry was restaurants and other eating places.
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 Bannock County
By number of approvals to businesses in the county, FY2021–FY2025; 34 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Zions Bank, A Division ofSalt Lake City, UT | 31 | $5.1M | 21.2% | |
| 2 | Idaho Central CUChubbuck, ID | 14 | $6.3M | 9.6% | |
| 3 | Eastern Idaho Development CorporationPocatello, ID · CDC | 12 | $5.6M | 8.2% | |
| 4 | Glacier BankKalispell, MT | 11 | $3.6M | 7.5% | |
| 5 | Mountain America FCUSandy, UT | 10 | $947K | 6.8% | |
| 6 | East-Central Idaho Development CompanyRexburg, ID · CDC | 8 | $3.4M | 5.5% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 7 | $1.1M | 4.8% | |
| 8 | Capital Matrix, Inc.Boise, ID · CDC | 6 | $6.1M | 4.1% | |
| 9 | KeyBank National AssociationCleveland, OH | 5 | $848K | 3.4% | |
| 10 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 4 | $4.3M | 2.7% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $767K | 2.1% | |
| 12 | The Bank of CommerceIdaho Falls, ID | 3 | $510K | 2.1% | |
| 13 | D. L. Evans BankBurley, ID | 3 | $359K | 2.1% | |
| 14 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $40K | 2.1% | |
| 15 | Region IV Development CorporationTwin Falls, ID · CDC | 2 | — | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 18 | 12.3% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 7 | 4.8% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 4.8% | |
| 4 | Traveler AccommodationNAICS 7211 | 6 | 4.1% | |
| 5 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 6 | 4.1% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 3.4% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 5 | 3.4% | |
| 8 | Gasoline StationsNAICS 4571 | 5 | 3.4% | |
| 9 | Residential Building ConstructionNAICS 2361 | 5 | 3.4% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 4 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 28 | 19.2% | |
| 2 | Accommodation and Food Services | 27 | 18.5% | |
| 3 | Health Care and Social Assistance | 19 | 13.0% | |
| 4 | Retail Trade | 15 | 10.3% | |
| 5 | Manufacturing | 12 | 8.2% | |
| 6 | Other Services (except Public Administration) | 9 | 6.2% | |
| 7 | Professional, Scientific, and Technical Services | 8 | 5.5% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 7 | 4.8% |
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* | 10 | $3.8M | $229K | 5 | $5.3M | 15 | 178 |
| FY2025 | 32 | $7.1M | $137K | 6 | $5.0M | 38 | 246 |
| FY2024 | 27 | $5.1M | $64K | 4 | $2.5M | 31 | 114 |
| FY2023 | 18 | $5.4M | $86K | 5 | $2.8M | 23 | 261 |
| FY2022 | 22 | $7.9M | $200K | 9 | $6.0M | 31 | 342 |
| FY2021 | 15 | $9.2M | $350K | 8 | $6.3M | 23 | 259 |
| FY2020 | 19 | $9.1M | $350K | 2 | — | 21 | 191 |
| FY2019 | 11 | $10.4M | $150K | 4 | $1.6M | 15 | 288 |
| FY2018 | 13 | $2.6M | $31K | 1 | — | 14 | 81 |
| FY2017 | 28 | $20.9M | $81K | 11 | $6.7M | 39 | 612 |
| FY2016 | 12 | $1.6M | $97K | 4 | $1.2M | 16 | 146 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 105 approvals.
Against Idaho and the country
| FY2021–FY2025 | Bannock County | Idaho | United States |
|---|---|---|---|
| Approvals | 146 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 62.0 | 56.7 | 41.0 |
| Median 7(a) approval | $142K | $149K | $190K |
| Median 504 approval | $390K | $501K | $657K |
| Average approval | $392K | $484K | $573K |
| 504 share of approvals | 21.9% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 8.4 | 9.2 | 10.5 |
| Share of state approvals | 4.4% | 100.0% | — |
Approval sizes
- $50,000 or less25.3%37
- $50,001 to $150,00021.2%31
- $150,001 to $350,00019.9%29
- $350,001 to $1 million24.0%35
- $1 million to $2 million7.5%11
- Over $2 million2.1%3
Age of the businesses
- Existing, more than 2 years old47.9%70
- New business, 2 years or less13.7%20
- Startup, loan funds will open the business28.8%42
- Change of ownership9.6%14
Questions and answers
Which lenders make the most SBA loans in Bannock County?
By approvals in FY2021 to FY2025: Zions Bank, A Division of (31), Idaho Central CU (14), Eastern Idaho Development Corporation (12), Glacier Bank (11), Mountain America FCU (10). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bannock County?
The median 7(a) approval was $142K and the median 504 approval $390K; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Bannock County?
Restaurants and Other Eating Places (18); Building Equipment Contractors (7); Other Specialty Trade Contractors (7); Traveler Accommodation (6); Foundation, Structure, and Building Exterior Contractors (6).
Is SBA lending in Bannock County rising?
Approvals in the three latest complete fiscal years total 92, against 75 in the three before: rising (+23%).
How does Bannock County compare with the rest of Idaho?
62.0 approvals per 1,000 establishments against 56.7 statewide, and 146 of the state's 3,296 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