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County6th of 43 in Idaho by approvalsFIPS 16017
SBA loans in Bonner 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 144 loans to businesses in Bonner County, Idaho, in FY2021 to FY2025, worth $29.0M: 136 under 7(a) and 8 under 504.
That is 78.6 approvals per 1,000 business establishments (1,833 establishments in 2023), above the Idaho figure of 56.7 and above the national 41.0.
It ranks 6th of 43 Idaho counties with approvals. In FY2025 there were 27, up 8% on FY2024.
22 lenders had approvals here; the most active were Columbia Bank (56), Glacier Bank (42) and Washington Trust Bank (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 Bonner County
By number of approvals to businesses in the county, FY2021–FY2025; 22 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 56 | $6.8M | 38.9% | |
| 2 | Glacier BankKalispell, MT | 42 | $5.6M | 29.2% | |
| 3 | Washington Trust BankSpokane, WA | 6 | $3.1M | 4.2% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 6 | $1.1M | 4.2% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $563K | 4.2% | |
| 6 | Capital Matrix, Inc.Boise, ID · CDC | 5 | $1.7M | 3.5% | |
| 7 | Montana Community Development Corp.Missoula, MT | 3 | $338K | 2.1% | |
| 8 | Panhandle Area Council, Inc.Hayden, ID · CDC | 2 | — | 1.4% | |
| 9 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 1.4% | |
| 10 | Idaho Central CUChubbuck, ID | 2 | — | 1.4% | |
| 11 | First Interstate BankBillings, MT | 2 | — | 1.4% | |
| 12 | The Huntington National BankColumbus, OH | 2 | — | 1.4% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 1 | — | 0.7% | |
| 14 | BMO Bank National AssociationChicago, IL | 1 | — | 0.7% | |
| 15 | America First Federal Credit UnionRiverdale, UT | 1 | — | 0.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 13 | 9.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 12 | 8.3% | |
| 3 | Residential Building ConstructionNAICS 2361 | 9 | 6.3% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 8 | 5.6% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 7 | 4.9% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 7 | 4.9% | |
| 7 | LoggingNAICS 1133 | 6 | 4.2% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 3.5% | |
| 9 | Lessors of Real EstateNAICS 5311 | 5 | 3.5% | |
| 10 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 4 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 36 | 25.0% | |
| 2 | Accommodation and Food Services | 18 | 12.5% | |
| 3 | Agriculture, Forestry, Fishing and Hunting | 12 | 8.3% | |
| 4 | Retail Trade | 11 | 7.6% | |
| 5 | Other Services (except Public Administration) | 11 | 7.6% | |
| 6 | Health Care and Social Assistance | 11 | 7.6% | |
| 7 | Professional, Scientific, and Technical Services | 10 | 6.9% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 9 | 6.3% |
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* | 17 | $4.7M | $50K | 3 | $1.3M | 20 | 105 |
| FY2025 | 25 | $3.0M | $81K | 2 | — | 27 | 104 |
| FY2024 | 24 | $3.3M | $50K | 1 | — | 25 | 92 |
| FY2023 | 31 | $8.2M | $28K | 0 | — | 31 | 215 |
| FY2022 | 30 | $3.8M | $25K | 3 | $2.8M | 33 | 139 |
| FY2021 | 26 | $6.0M | $25K | 2 | — | 28 | 141 |
| FY2020 | 14 | $6.4M | $25K | 1 | — | 15 | 59 |
| FY2019 | 21 | $8.0M | $215K | 3 | $593K | 24 | 124 |
| FY2018 | 27 | $8.2M | $228K | 0 | — | 27 | 107 |
| FY2017 | 12 | $2.8M | $148K | 0 | — | 12 | 50 |
| FY2016 | 17 | $5.1M | $75K | 2 | — | 19 | 146 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 97 approvals.
Against Idaho and the country
| FY2021–FY2025 | Bonner County | Idaho | United States |
|---|---|---|---|
| Approvals | 144 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 78.6 | 56.7 | 41.0 |
| Median 7(a) approval | $50K | $149K | $190K |
| Median 504 approval | $374K | $501K | $657K |
| Average approval | $201K | $484K | $573K |
| 504 share of approvals | 5.6% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 4.8 | 9.2 | 10.5 |
| Share of state approvals | 4.4% | 100.0% | — |
Approval sizes
- $50,000 or less58.3%84
- $50,001 to $150,00013.2%19
- $150,001 to $350,00013.9%20
- $350,001 to $1 million10.4%15
- $1 million to $2 million3.5%5
- Over $2 million0.7%1
Age of the businesses
- Existing, more than 2 years old68.1%98
- New business, 2 years or less16.7%24
- Startup, loan funds will open the business8.3%12
- Change of ownership6.9%10
Questions and answers
Which lenders make the most SBA loans in Bonner County?
By approvals in FY2021 to FY2025: Columbia Bank (56), Glacier Bank (42), Washington Trust Bank (6), U.S. Bank, National Association (6), Wells Fargo Bank National Association (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bonner County?
The median 7(a) approval was $50K and the median 504 approval $374K; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Bonner County?
Other Specialty Trade Contractors (13); Restaurants and Other Eating Places (12); Residential Building Construction (9); Services to Buildings and Dwellings (8); Offices of Other Health Practitioners (7).
Is SBA lending in Bonner County rising?
Approvals in the three latest complete fiscal years total 83, against 76 in the three before: broadly level (+9%).
How does Bonner County compare with the rest of Idaho?
78.6 approvals per 1,000 establishments against 56.7 statewide, and 144 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