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County2nd of 43 in Idaho by approvalsFIPS 16055
SBA loans in Kootenai 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 365 loans to businesses in Kootenai County, Idaho, in FY2021 to FY2025, worth $217M: 319 under 7(a) and 46 under 504.
That is 58.7 approvals per 1,000 business establishments (6,221 establishments in 2023), close to the Idaho figure of 56.7 and above the national 41.0.
It ranks 2nd of 43 Idaho counties with approvals. In FY2025 there were 81, about level with FY2024.
55 lenders had approvals here; the most active were Glacier Bank (64), Idaho Central CU (22) and U.S. Bank, National Association (22). 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 Kootenai County
By number of approvals to businesses in the county, FY2021–FY2025; 55 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Glacier BankKalispell, MT | 64 | $12.9M | 17.5% | |
| 2 | Idaho Central CUChubbuck, ID | 22 | $13.8M | 6.0% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 22 | $6.4M | 6.0% | |
| 4 | bankcdaCoeur D'alene, ID | 20 | $11.0M | 5.5% | |
| 5 | Numerica CUSpokane Valley, WA | 18 | $14.1M | 4.9% | |
| 6 | Columbia BankLake Oswego, OR | 18 | $2.0M | 4.9% | |
| 7 | Capital Matrix, Inc.Boise, ID · CDC | 16 | $12.3M | 4.4% | |
| 8 | Wells Fargo Bank National AssociationSioux Falls, SD | 15 | $3.3M | 4.1% | |
| 9 | Panhandle Area Council, Inc.Hayden, ID · CDC | 13 | $9.7M | 3.6% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 12 | $9.8M | 3.3% | |
| 11 | Washington Trust BankSpokane, WA | 12 | $3.1M | 3.3% | |
| 12 | RiverBankSpokane, WA | 8 | $4.7M | 2.2% | |
| 13 | Evergreen Business CapitalSeattle, WA · CDC | 7 | $12.9M | 1.9% | |
| 14 | First Interstate BankBillings, MT | 7 | $11.8M | 1.9% | |
| 15 | Celtic Bank CorporationSalt Lake City, UT | 7 | $8.7M | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 35 | 9.6% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 18 | 4.9% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 18 | 4.9% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 14 | 3.8% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 10 | 2.7% | |
| 6 | Building Finishing ContractorsNAICS 2383 | 10 | 2.7% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 2.5% | |
| 8 | Offices of DentistsNAICS 6212 | 9 | 2.5% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 9 | 2.5% | |
| 10 | Utility System ConstructionNAICS 2371 | 8 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 53 | 14.5% | |
| 2 | Retail Trade | 49 | 13.4% | |
| 3 | Accommodation and Food Services | 47 | 12.9% | |
| 4 | Health Care and Social Assistance | 45 | 12.3% | |
| 5 | Manufacturing | 37 | 10.1% | |
| 6 | Other Services (except Public Administration) | 33 | 9.0% | |
| 7 | Professional, Scientific, and Technical Services | 28 | 7.7% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 16 | 4.4% |
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* | 48 | $20.8M | $168K | 4 | $2.9M | 52 | 414 |
| FY2025 | 76 | $40.4M | $178K | 5 | $4.0M | 81 | 498 |
| FY2024 | 77 | $32.0M | $150K | 7 | $5.5M | 84 | 631 |
| FY2023 | 46 | $22.7M | $98K | 4 | $8.2M | 50 | 591 |
| FY2022 | 44 | $27.0M | $213K | 9 | $12.8M | 53 | 519 |
| FY2021 | 76 | $52.9M | $297K | 21 | $11.5M | 97 | 881 |
| FY2020 | 56 | $14.2M | $88K | 11 | $6.6M | 67 | 575 |
| FY2019 | 73 | $22.4M | $132K | 12 | $7.9M | 85 | 543 |
| FY2018 | 78 | $35.5M | $157K | 9 | $3.7M | 87 | 582 |
| FY2017 | 105 | $39.4M | $115K | 12 | $7.0M | 117 | 912 |
| FY2016 | 86 | $29.8M | $106K | 6 | $2.8M | 92 | 694 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 448 approvals.
Against Idaho and the country
| FY2021–FY2025 | Kootenai County | Idaho | United States |
|---|---|---|---|
| Approvals | 365 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 58.7 | 56.7 | 41.0 |
| Median 7(a) approval | $200K | $149K | $190K |
| Median 504 approval | $537K | $501K | $657K |
| Average approval | $595K | $484K | $573K |
| 504 share of approvals | 12.6% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 8.5 | 9.2 | 10.5 |
| Share of state approvals | 11.1% | 100.0% | — |
Approval sizes
- $50,000 or less24.4%89
- $50,001 to $150,00016.4%60
- $150,001 to $350,00017.0%62
- $350,001 to $1 million25.8%94
- $1 million to $2 million8.5%31
- Over $2 million7.9%29
Age of the businesses
- Existing, more than 2 years old51.8%189
- New business, 2 years or less20.3%74
- Startup, loan funds will open the business17.5%64
- Change of ownership10.4%38
Questions and answers
Which lenders make the most SBA loans in Kootenai County?
By approvals in FY2021 to FY2025: Glacier Bank (64), Idaho Central CU (22), U.S. Bank, National Association (22), bankcda (20), Numerica CU (18). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Kootenai County?
The median 7(a) approval was $200K and the median 504 approval $537K; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Kootenai County?
Restaurants and Other Eating Places (35); Automotive Repair and Maintenance (18); Offices of Other Health Practitioners (18); Building Equipment Contractors (14); Other Specialty Trade Contractors (10).
Is SBA lending in Kootenai County rising?
Approvals in the three latest complete fiscal years total 215, against 217 in the three before: broadly level (-1%).
How does Kootenai County compare with the rest of Idaho?
58.7 approvals per 1,000 establishments against 56.7 statewide, and 365 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