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County15th of 43 in Idaho by approvalsFIPS 16069
SBA loans in Nez Perce 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.
Businesses in Nez Perce County, Idaho, received 35 SBA loan approvals worth $26.2M in FY2021 to FY2025 (33 7(a), 2 504).
That is 28.9 approvals per 1,000 business establishments (1,213 establishments in 2023), below the Idaho figure of 56.7 and below the national 41.0.
It ranks 15th of 43 Idaho counties with approvals. In FY2025 there were 17.
16 lenders had approvals here; the most active were Banner Bank (6), Zions Bank, A Division of (6) and Columbia Bank (4). The most common industry was services to buildings and dwellings.
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 Nez Perce County
By number of approvals to businesses in the county, FY2021–FY2025; 16 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Banner BankWalla Walla, WA | 6 | $868K | 17.1% | |
| 2 | Zions Bank, A Division ofSalt Lake City, UT | 6 | $519K | 17.1% | |
| 3 | Columbia BankLake Oswego, OR | 4 | $195K | 11.4% | |
| 4 | Mission Valley BankSun Valley, CA | 2 | — | 5.7% | |
| 5 | Capital Matrix, Inc.Boise, ID · CDC | 2 | — | 5.7% | |
| 6 | Washington Trust BankSpokane, WA | 2 | — | 5.7% | |
| 7 | Associated Bank National AssociationGreen Bay, WI | 2 | — | 5.7% | |
| 8 | BankVistaSartell, MN | 2 | — | 5.7% | |
| 9 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 5.7% | |
| 10 | Southwestern National BankHouston, TX | 1 | — | 2.9% | |
| 11 | Farmers State Bank of Alto Pass, IllinoisAlto Pass, IL | 1 | — | 2.9% | |
| 12 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 1 | — | 2.9% | |
| 13 | First Merchants BankIndianapolis, IN | 1 | — | 2.9% | |
| 14 | Merchants Bank of IndianaCarmel, IN | 1 | — | 2.9% | |
| 15 | Potlatch No. 1 Financial Credit UnionLewiston, ID | 1 | — | 2.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 4 | 11.4% | |
| 2 | Gasoline StationsNAICS 4571 | 3 | 8.6% | |
| 3 | Support Activities for Road TransportationNAICS 4884 | 2 | 5.7% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 2 | 5.7% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 5.7% | |
| 6 | Residential Building ConstructionNAICS 2361 | 2 | 5.7% | |
| 7 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 5.7% | |
| 8 | Spring and Wire Product ManufacturingNAICS 3326 | 1 | 2.9% | |
| 9 | Soap, Cleaning Compound, and Toilet Preparation ManufacturingNAICS 3256 | 1 | 2.9% | |
| 10 | Traveler AccommodationNAICS 7211 | 1 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 6 | 17.1% | |
| 2 | Construction | 6 | 17.1% | |
| 3 | Accommodation and Food Services | 5 | 14.3% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 5 | 14.3% | |
| 5 | Manufacturing | 3 | 8.6% | |
| 6 | Transportation and Warehousing | 3 | 8.6% | |
| 7 | Health Care and Social Assistance | 2 | 5.7% | |
| 8 | Other Services (except Public Administration) | 2 | 5.7% |
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* | 7 | $1.4M | $70K | 1 | — | 8 | 31 |
| FY2025 | 17 | $3.6M | $118K | 0 | — | 17 | 109 |
| FY2024 | 9 | $11.0M | $290K | 0 | — | 9 | 35 |
| FY2023 | 4 | $4.0M | $439K | 1 | — | 5 | 87 |
| FY2022 | 1 | — | — | 0 | — | 1 | 5 |
| FY2021 | 2 | — | — | 1 | — | 3 | 11 |
| FY2020 | 7 | $1.7M | $100K | 0 | — | 7 | 38 |
| FY2019 | 5 | $3.1M | $25K | 1 | — | 6 | 69 |
| FY2018 | 8 | $2.2M | $68K | 2 | — | 10 | 67 |
| FY2017 | 5 | $4.5M | $342K | 0 | — | 5 | 58 |
| FY2016 | 18 | $5.1M | $148K | 0 | — | 18 | 200 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 46 approvals.
Against Idaho and the country
| FY2021–FY2025 | Nez Perce County | Idaho | United States |
|---|---|---|---|
| Approvals | 35 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 28.9 | 56.7 | 41.0 |
| Median 7(a) approval | $129K | $149K | $190K |
| Median 504 approval | — | $501K | $657K |
| Average approval | $749K | $484K | $573K |
| 504 share of approvals | 5.7% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 7.1 | 9.2 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less37.1%13
- $50,001 to $150,00014.3%5
- $150,001 to $350,0008.6%3
- $350,001 to $1 million22.9%8
- Over $2 million17.1%6
Age of the businesses
- Existing, more than 2 years old60.0%21
- New business, 2 years or less28.6%10
- Startup, loan funds will open the business5.7%2
- Change of ownership5.7%2
Questions and answers
Which lenders make the most SBA loans in Nez Perce County?
By approvals in FY2021 to FY2025: Banner Bank (6), Zions Bank, A Division of (6), Columbia Bank (4), Mission Valley Bank (2), Capital Matrix, Inc. (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Nez Perce County?
The median 7(a) approval was $129K; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Nez Perce County?
Services to Buildings and Dwellings (4); Gasoline Stations (3); Support Activities for Road Transportation (2); Building Equipment Contractors (2); Other Specialty Trade Contractors (2).
Is SBA lending in Nez Perce County rising?
Approvals in the three latest complete fiscal years total 31, against 11 in the three before: rising (+182%).
How does Nez Perce County compare with the rest of Idaho?
28.9 approvals per 1,000 establishments against 56.7 statewide, and 35 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