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County10th of 43 in Idaho by approvalsFIPS 16051
SBA loans in Jefferson 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 62 loans to businesses in Jefferson County, Idaho, in FY2021 to FY2025, worth $21.0M: 49 under 7(a) and 13 under 504.
That is 83.9 approvals per 1,000 business establishments (739 establishments in 2023), above the Idaho figure of 56.7 and above the national 41.0.
It ranks 10th of 43 Idaho counties with approvals. In FY2025 there were 22, up 47% on FY2024.
14 lenders had approvals here; the most active were Zions Bank, A Division of (21), The Bank of Commerce (11) and East-Central Idaho Development Company (7). The most common industry was general freight trucking.
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 Jefferson County
By number of approvals to businesses in the county, FY2021–FY2025; 14 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Zions Bank, A Division ofSalt Lake City, UT | 21 | $2.4M | 33.9% | |
| 2 | The Bank of CommerceIdaho Falls, ID | 11 | $2.4M | 17.7% | |
| 3 | East-Central Idaho Development CompanyRexburg, ID · CDC | 7 | $7.6M | 11.3% | |
| 4 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 5 | $3.8M | 8.1% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 4 | $939K | 6.5% | |
| 6 | Mountain America FCUSandy, UT | 4 | $155K | 6.5% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 3.2% | |
| 8 | KeyBank National AssociationCleveland, OH | 2 | — | 3.2% | |
| 9 | Capital Matrix, Inc.Boise, ID · CDC | 1 | — | 1.6% | |
| 10 | America First Federal Credit UnionRiverdale, UT | 1 | — | 1.6% | |
| 11 | Glacier BankKalispell, MT | 1 | — | 1.6% | |
| 12 | Idaho Central CUChubbuck, ID | 1 | — | 1.6% | |
| 13 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 1.6% | |
| 14 | Wells Fargo Bank National AssociationSioux Falls, SD | 1 | — | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 6 | 9.7% | |
| 2 | Specialized Freight TruckingNAICS 4842 | 5 | 8.1% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 6.5% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 4.8% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 4.8% | |
| 6 | Household and Institutional Furniture and Kitchen Cabinet ManufacturingNAICS 3371 | 3 | 4.8% | |
| 7 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 3 | 4.8% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 3 | 4.8% | |
| 9 | Couriers and Express Delivery ServicesNAICS 4921 | 2 | 3.2% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 13 | 21.0% | |
| 2 | Manufacturing | 6 | 9.7% | |
| 3 | Real Estate and Rental and Leasing | 6 | 9.7% | |
| 4 | Construction | 6 | 9.7% | |
| 5 | Other Services (except Public Administration) | 5 | 8.1% | |
| 6 | Accommodation and Food Services | 5 | 8.1% | |
| 7 | Health Care and Social Assistance | 4 | 6.5% | |
| 8 | Professional, Scientific, and Technical Services | 4 | 6.5% |
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* | 6 | $1.3M | $117K | 2 | — | 8 | 44 |
| FY2025 | 17 | $1.8M | $50K | 5 | $3.8M | 22 | 136 |
| FY2024 | 14 | $1.8M | $93K | 1 | — | 15 | 101 |
| FY2023 | 4 | $1.3M | $360K | 2 | — | 6 | 54 |
| FY2022 | 9 | $1.2M | $75K | 0 | — | 9 | 35 |
| FY2021 | 5 | $2.9M | $45K | 5 | $5.7M | 10 | 126 |
| FY2020 | 2 | — | — | 6 | $1.8M | 8 | 32 |
| FY2019 | 9 | $1.1M | $25K | 0 | — | 9 | 28 |
| FY2018 | 12 | $1.9M | $137K | 2 | — | 14 | 82 |
| FY2017 | 16 | $5.8M | $91K | 0 | — | 16 | 171 |
| FY2016 | 4 | $1.9M | $275K | 2 | — | 6 | 45 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 53 approvals.
Against Idaho and the country
| FY2021–FY2025 | Jefferson County | Idaho | United States |
|---|---|---|---|
| Approvals | 62 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 83.9 | 56.7 | 41.0 |
| Median 7(a) approval | $75K | $149K | $190K |
| Median 504 approval | $685K | $501K | $657K |
| Average approval | $339K | $484K | $573K |
| 504 share of approvals | 21.0% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 7.3 | 9.2 | 10.5 |
| Share of state approvals | 1.9% | 100.0% | — |
Approval sizes
- $50,000 or less32.3%20
- $50,001 to $150,00029.0%18
- $150,001 to $350,00014.5%9
- $350,001 to $1 million17.7%11
- $1 million to $2 million1.6%1
- Over $2 million4.8%3
Age of the businesses
- Existing, more than 2 years old56.5%35
- New business, 2 years or less17.7%11
- Startup, loan funds will open the business19.4%12
- Change of ownership6.5%4
Questions and answers
Which lenders make the most SBA loans in Jefferson County?
By approvals in FY2021 to FY2025: Zions Bank, A Division of (21), The Bank of Commerce (11), East-Central Idaho Development Company (7), Mountain West Small Business Finance (5), U.S. Bank, National Association (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jefferson County?
The median 7(a) approval was $75K and the median 504 approval $685K; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Jefferson County?
General Freight Trucking (6); Specialized Freight Trucking (5); Automotive Repair and Maintenance (4); Other Amusement and Recreation Industries (3); Restaurants and Other Eating Places (3).
Is SBA lending in Jefferson County rising?
Approvals in the three latest complete fiscal years total 43, against 27 in the three before: rising (+59%).
How does Jefferson County compare with the rest of Idaho?
83.9 approvals per 1,000 establishments against 56.7 statewide, and 62 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