County13th of 43 in Idaho by approvalsFIPS 16057
SBA loans in Latah 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 38 loans to businesses in Latah County, Idaho, in FY2021 to FY2025, worth $14.4M: 34 under 7(a) and 4 under 504.
That is 36.3 approvals per 1,000 business establishments (1,046 establishments in 2023), below the Idaho figure of 56.7 and close to the national 41.0.
It ranks 13th of 43 Idaho counties with approvals. In FY2025 there were 11, up 10% on FY2024.
17 lenders had approvals here; the most active were Zions Bank, A Division of (6), Columbia Bank (5) and Washington Trust Bank (4). The most common industry was residential building construction.
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 Latah County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Zions Bank, A Division ofSalt Lake City, UT | 6 | $839K | 15.8% | |
| 2 | Columbia BankLake Oswego, OR | 5 | $187K | 13.2% | |
| 3 | Washington Trust BankSpokane, WA | 4 | $1.6M | 10.5% | |
| 4 | Idaho Central CUChubbuck, ID | 4 | $891K | 10.5% | |
| 5 | Capital Matrix, Inc.Boise, ID · CDC | 3 | $2.8M | 7.9% | |
| 6 | U.S. Bank, National AssociationCincinnati, OH | 3 | $1.1M | 7.9% | |
| 7 | First Merchants BankIndianapolis, IN | 2 | — | 5.3% | |
| 8 | Banner BankWalla Walla, WA | 2 | — | 5.3% | |
| 9 | Panhandle Area Council, Inc.Hayden, ID · CDC | 1 | — | 2.6% | |
| 10 | Numerica CUSpokane Valley, WA | 1 | — | 2.6% | |
| 11 | Harvest Small Business Finance, LLCLaguna Hills, CA | 1 | — | 2.6% | |
| 12 | Montana Community Development Corp.Missoula, MT | 1 | — | 2.6% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 1 | — | 2.6% | |
| 14 | United Midwest Savings Bank National AssociationDe Graff, OH | 1 | — | 2.6% | |
| 15 | Northeast BankLewiston, ME | 1 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 5 | 13.2% | |
| 2 | Bakeries and Tortilla ManufacturingNAICS 3118 | 2 | 5.3% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 2 | 5.3% | |
| 4 | Offices of Real Estate Agents and BrokersNAICS 5312 | 2 | 5.3% | |
| 5 | LoggingNAICS 1133 | 2 | 5.3% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 2 | 5.3% | |
| 7 | Traveler AccommodationNAICS 7211 | 1 | 2.6% | |
| 8 | Other Miscellaneous ManufacturingNAICS 3399 | 1 | 2.6% | |
| 9 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 1 | 2.6% | |
| 10 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 1 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 8 | 21.1% | |
| 2 | Manufacturing | 4 | 10.5% | |
| 3 | Health Care and Social Assistance | 4 | 10.5% | |
| 4 | Agriculture, Forestry, Fishing and Hunting | 4 | 10.5% | |
| 5 | Accommodation and Food Services | 3 | 7.9% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 3 | 7.9% | |
| 7 | Real Estate and Rental and Leasing | 3 | 7.9% | |
| 8 | Professional, Scientific, and Technical Services | 2 | 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* | 8 | $6.6M | $197K | 0 | — | 8 | 23 |
| FY2025 | 10 | $1.8M | $100K | 1 | — | 11 | 45 |
| FY2024 | 10 | $1.9M | $125K | 0 | — | 10 | 42 |
| FY2023 | 3 | $134K | $40K | 2 | — | 5 | 27 |
| FY2022 | 4 | $1.4M | $210K | 0 | — | 4 | 25 |
| FY2021 | 7 | $3.5M | $302K | 1 | — | 8 | 253 |
| FY2020 | 4 | $753K | $21K | 0 | — | 4 | 67 |
| FY2019 | 6 | $656K | $75K | 0 | — | 6 | 45 |
| FY2018 | 7 | $1.3M | $75K | 1 | — | 8 | 15 |
| FY2017 | 3 | $40K | $10K | 0 | — | 3 | 1 |
| FY2016 | 12 | $1.6M | $41K | 0 | — | 12 | 20 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 33 approvals.
Against Idaho and the country
| FY2021–FY2025 | Latah County | Idaho | United States |
|---|---|---|---|
| Approvals | 38 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 36.3 | 56.7 | 41.0 |
| Median 7(a) approval | $150K | $149K | $190K |
| Median 504 approval | $1.3M | $501K | $657K |
| Average approval | $380K | $484K | $573K |
| 504 share of approvals | 10.5% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 10.3 | 9.2 | 10.5 |
| Share of state approvals | 1.2% | 100.0% | — |
Approval sizes
- $50,000 or less28.9%11
- $50,001 to $150,00028.9%11
- $150,001 to $350,00021.1%8
- $350,001 to $1 million13.2%5
- Over $2 million7.9%3
Age of the businesses
- Existing, more than 2 years old65.8%25
- New business, 2 years or less18.4%7
- Startup, loan funds will open the business13.2%5
- Change of ownership2.6%1
Questions and answers
Which lenders make the most SBA loans in Latah County?
By approvals in FY2021 to FY2025: Zions Bank, A Division of (6), Columbia Bank (5), Washington Trust Bank (4), Idaho Central CU (4), Capital Matrix, Inc. (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Latah County?
The median 7(a) approval was $150K and the median 504 approval $1.3M; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Latah County?
Residential Building Construction (5); Bakeries and Tortilla Manufacturing (2); Services to Buildings and Dwellings (2); Offices of Real Estate Agents and Brokers (2); Logging (2).
Is SBA lending in Latah County rising?
Approvals in the three latest complete fiscal years total 26, against 16 in the three before: rising (+63%).
How does Latah County compare with the rest of Idaho?
36.3 approvals per 1,000 establishments against 56.7 statewide, and 38 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