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County12th of 43 in Idaho by approvalsFIPS 16075
SBA loans in Payette 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 41 loans to businesses in Payette County, Idaho, in FY2021 to FY2025, worth $16.2M: 38 under 7(a) and 3 under 504.
That is 66.2 approvals per 1,000 business establishments (619 establishments in 2023), above the Idaho figure of 56.7 and above the national 41.0.
It ranks 12th of 43 Idaho counties with approvals. In FY2025 there were 13, up 18% on FY2024.
17 lenders had approvals here; the most active were Columbia Bank (10), Zions Bank, A Division of (9) and D. L. Evans Bank (4). 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 Payette County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 10 | $420K | 24.4% | |
| 2 | Zions Bank, A Division ofSalt Lake City, UT | 9 | $774K | 22.0% | |
| 3 | D. L. Evans BankBurley, ID | 4 | $566K | 9.8% | |
| 4 | Capital Matrix, Inc.Boise, ID · CDC | 2 | — | 4.9% | |
| 5 | Washington Trust BankSpokane, WA | 2 | — | 4.9% | |
| 6 | Summit BankEugene, OR | 2 | — | 4.9% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 4.9% | |
| 8 | Panhandle Area Council, Inc.Hayden, ID · CDC | 1 | — | 2.4% | |
| 9 | 1st Financial Bank USADakota Dunes, SD | 1 | — | 2.4% | |
| 10 | First Interstate BankBillings, MT | 1 | — | 2.4% | |
| 11 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.4% | |
| 12 | The Huntington National BankColumbus, OH | 1 | — | 2.4% | |
| 13 | First Bank of the LakeOsage Beach, MO | 1 | — | 2.4% | |
| 14 | Banner BankWalla Walla, WA | 1 | — | 2.4% | |
| 15 | Montana Community Development Corp.Missoula, MT | 1 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 6 | 14.6% | |
| 2 | Residential Building ConstructionNAICS 2361 | 3 | 7.3% | |
| 3 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 7.3% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 2 | 4.9% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 2 | 4.9% | |
| 6 | Other Personal ServicesNAICS 8129 | 2 | 4.9% | |
| 7 | Personal Care ServicesNAICS 8121 | 2 | 4.9% | |
| 8 | Plastics Product ManufacturingNAICS 3261 | 2 | 4.9% | |
| 9 | General Freight TruckingNAICS 4841 | 2 | 4.9% | |
| 10 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 1 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 15 | 36.6% | |
| 2 | Manufacturing | 6 | 14.6% | |
| 3 | Other Services (except Public Administration) | 6 | 14.6% | |
| 4 | Health Care and Social Assistance | 4 | 9.8% | |
| 5 | Retail Trade | 3 | 7.3% | |
| 6 | Transportation and Warehousing | 3 | 7.3% | |
| 7 | Agriculture, Forestry, Fishing and Hunting | 2 | 4.9% | |
| 8 | Finance and Insurance | 1 | 2.4% |
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* | 10 | $2.0M | $50K | 0 | — | 10 | 45 |
| FY2025 | 12 | $1.7M | $66K | 1 | — | 13 | 65 |
| FY2024 | 11 | $835K | $50K | 0 | — | 11 | 26 |
| FY2023 | 5 | $598K | $25K | 0 | — | 5 | 13 |
| FY2022 | 4 | $1.5M | $308K | 1 | — | 5 | 63 |
| FY2021 | 6 | $4.0M | $190K | 1 | — | 7 | 56 |
| FY2020 | 1 | — | — | 2 | — | 3 | 8 |
| FY2019 | 8 | $1.0M | $38K | 1 | — | 9 | 44 |
| FY2018 | 5 | $358K | $20K | 0 | — | 5 | 34 |
| FY2017 | 12 | $3.0M | $114K | 1 | — | 13 | 77 |
| FY2016 | 4 | $904K | $100K | 0 | — | 4 | 24 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 34 approvals.
Against Idaho and the country
| FY2021–FY2025 | Payette County | Idaho | United States |
|---|---|---|---|
| Approvals | 41 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 66.2 | 56.7 | 41.0 |
| Median 7(a) approval | $57K | $149K | $190K |
| Median 504 approval | $1.9M | $501K | $657K |
| Average approval | $395K | $484K | $573K |
| 504 share of approvals | 7.3% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 5.4 | 9.2 | 10.5 |
| Share of state approvals | 1.2% | 100.0% | — |
Approval sizes
- $50,000 or less46.3%19
- $50,001 to $150,00019.5%8
- $150,001 to $350,00014.6%6
- $350,001 to $1 million9.8%4
- $1 million to $2 million4.9%2
- Over $2 million4.9%2
Age of the businesses
- Existing, more than 2 years old65.9%27
- New business, 2 years or less17.1%7
- Startup, loan funds will open the business17.1%7
Questions and answers
Which lenders make the most SBA loans in Payette County?
By approvals in FY2021 to FY2025: Columbia Bank (10), Zions Bank, A Division of (9), D. L. Evans Bank (4), Capital Matrix, Inc. (2), Washington Trust Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Payette County?
The median 7(a) approval was $57K and the median 504 approval $1.9M; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Payette County?
Other Specialty Trade Contractors (6); Residential Building Construction (3); Foundation, Structure, and Building Exterior Contractors (3); Offices of Other Health Practitioners (2); Building Equipment Contractors (2).
Is SBA lending in Payette County rising?
Approvals in the three latest complete fiscal years total 29, against 15 in the three before: rising (+93%).
How does Payette County compare with the rest of Idaho?
66.2 approvals per 1,000 establishments against 56.7 statewide, and 41 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