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County8th of 43 in Idaho by approvalsFIPS 16011
SBA loans in Bingham 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 94 loans to businesses in Bingham County, Idaho, in FY2021 to FY2025, worth $26.9M: 81 under 7(a) and 13 under 504.
That is 92.2 approvals per 1,000 business establishments (1,020 establishments in 2023), above the Idaho figure of 56.7 and above the national 41.0.
It ranks 8th of 43 Idaho counties with approvals. In FY2025 there were 28, up 40% on FY2024.
16 lenders had approvals here; the most active were Zions Bank, A Division of (49), The Bank of Commerce (9) and Eastern Idaho Development Corporation (6). The most common industry was other specialty trade contractors.
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 Bingham County
By number of approvals to businesses in the county, FY2021–FY2025; 16 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Zions Bank, A Division ofSalt Lake City, UT | 49 | $7.0M | 52.1% | |
| 2 | The Bank of CommerceIdaho Falls, ID | 9 | $1.6M | 9.6% | |
| 3 | Eastern Idaho Development CorporationPocatello, ID · CDC | 6 | $1.4M | 6.4% | |
| 4 | Mountain America FCUSandy, UT | 4 | $915K | 4.3% | |
| 5 | KeyBank National AssociationCleveland, OH | 4 | $293K | 4.3% | |
| 6 | Glacier BankKalispell, MT | 3 | $5.9M | 3.2% | |
| 7 | Idaho Central CUChubbuck, ID | 3 | $2.8M | 3.2% | |
| 8 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 3 | $1.7M | 3.2% | |
| 9 | East-Central Idaho Development CompanyRexburg, ID · CDC | 3 | $1.1M | 3.2% | |
| 10 | U.S. Bank, National AssociationCincinnati, OH | 3 | $223K | 3.2% | |
| 11 | D. L. Evans BankBurley, ID | 2 | — | 2.1% | |
| 12 | America First Federal Credit UnionRiverdale, UT | 1 | — | 1.1% | |
| 13 | Capital Matrix, Inc.Boise, ID · CDC | 1 | — | 1.1% | |
| 14 | Beacon Bank and TrustBrookline, MA | 1 | — | 1.1% | |
| 15 | Newtek Bank, National AssociationMiami, FL | 1 | — | 1.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 8.5% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 8 | 8.5% | |
| 3 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 8 | 8.5% | |
| 4 | General Freight TruckingNAICS 4841 | 5 | 5.3% | |
| 5 | Sugar and Confectionery Product ManufacturingNAICS 3113 | 4 | 4.3% | |
| 6 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 4 | 4.3% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 4 | 4.3% | |
| 8 | Apparel, Piece Goods, and Notions Merchant WholesalersNAICS 4243 | 3 | 3.2% | |
| 9 | Other Schools and InstructionNAICS 6116 | 3 | 3.2% | |
| 10 | Building Material and Supplies DealersNAICS 4441 | 3 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 19 | 20.2% | |
| 2 | Retail Trade | 14 | 14.9% | |
| 3 | Other Services (except Public Administration) | 12 | 12.8% | |
| 4 | Health Care and Social Assistance | 10 | 10.6% | |
| 5 | Manufacturing | 7 | 7.4% | |
| 6 | Transportation and Warehousing | 7 | 7.4% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 5 | 5.3% | |
| 8 | Wholesale Trade | 5 | 5.3% |
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* | 11 | $1.6M | $136K | 1 | — | 12 | 49 |
| FY2025 | 27 | $5.1M | $85K | 1 | — | 28 | 88 |
| FY2024 | 18 | $1.5M | $75K | 2 | — | 20 | 101 |
| FY2023 | 11 | $4.7M | $100K | 2 | — | 13 | 105 |
| FY2022 | 11 | $9.2M | $200K | 1 | — | 12 | 122 |
| FY2021 | 14 | $1.6M | $63K | 7 | $2.2M | 21 | 94 |
| FY2020 | 1 | — | — | 1 | — | 2 | 11 |
| FY2019 | 4 | $3.2M | $77K | 3 | $956K | 7 | 42 |
| FY2018 | 4 | $810K | $99K | 3 | $1.1M | 7 | 60 |
| FY2017 | 16 | $979K | $50K | 3 | $3.2M | 19 | 154 |
| FY2016 | 3 | $178K | $63K | 0 | — | 3 | 30 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 38 approvals.
Against Idaho and the country
| FY2021–FY2025 | Bingham County | Idaho | United States |
|---|---|---|---|
| Approvals | 94 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 92.2 | 56.7 | 41.0 |
| Median 7(a) approval | $90K | $149K | $190K |
| Median 504 approval | $322K | $501K | $657K |
| Average approval | $286K | $484K | $573K |
| 504 share of approvals | 13.8% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 5.4 | 9.2 | 10.5 |
| Share of state approvals | 2.9% | 100.0% | — |
Approval sizes
- $50,000 or less36.2%34
- $50,001 to $150,00028.7%27
- $150,001 to $350,00020.2%19
- $350,001 to $1 million9.6%9
- $1 million to $2 million1.1%1
- Over $2 million4.3%4
Age of the businesses
- Existing, more than 2 years old57.4%54
- New business, 2 years or less22.3%21
- Startup, loan funds will open the business10.6%10
- Change of ownership9.6%9
Questions and answers
Which lenders make the most SBA loans in Bingham County?
By approvals in FY2021 to FY2025: Zions Bank, A Division of (49), The Bank of Commerce (9), Eastern Idaho Development Corporation (6), Mountain America FCU (4), KeyBank National Association (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bingham County?
The median 7(a) approval was $90K and the median 504 approval $322K; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Bingham County?
Other Specialty Trade Contractors (8); Automotive Repair and Maintenance (8); Foundation, Structure, and Building Exterior Contractors (8); General Freight Trucking (5); Sugar and Confectionery Product Manufacturing (4).
Is SBA lending in Bingham County rising?
Approvals in the three latest complete fiscal years total 61, against 35 in the three before: rising (+74%).
How does Bingham County compare with the rest of Idaho?
92.2 approvals per 1,000 establishments against 56.7 statewide, and 94 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