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County14th of 43 in Idaho by approvalsFIPS 16085
SBA loans in Valley 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 Valley County, Idaho, received 36 SBA loan approvals worth $12.1M in FY2021 to FY2025 (31 7(a), 5 504).
That is 48.2 approvals per 1,000 business establishments (747 establishments in 2023), close to the Idaho figure of 56.7 and above the national 41.0.
It ranks 14th of 43 Idaho counties with approvals. In FY2025 there were 10.
12 lenders had approvals here; the most active were U.S. Bank, National Association (11), Columbia Bank (5) and Idaho First Bank (4). 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 Valley County
By number of approvals to businesses in the county, FY2021–FY2025; 12 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 11 | $540K | 30.6% | |
| 2 | Columbia BankLake Oswego, OR | 5 | $170K | 13.9% | |
| 3 | Idaho First BankMcCall, ID | 4 | $2.0M | 11.1% | |
| 4 | Capital Matrix, Inc.Boise, ID · CDC | 4 | $1.9M | 11.1% | |
| 5 | Glacier BankKalispell, MT | 3 | $1.1M | 8.3% | |
| 6 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 5.6% | |
| 7 | Zions Bank, A Division ofSalt Lake City, UT | 2 | — | 5.6% | |
| 8 | Idaho Central CUChubbuck, ID | 1 | — | 2.8% | |
| 9 | First Merchants BankIndianapolis, IN | 1 | — | 2.8% | |
| 10 | Idaho Trust BankBoise, ID | 1 | — | 2.8% | |
| 11 | Washington Trust BankSpokane, WA | 1 | — | 2.8% | |
| 12 | Panhandle Area Council, Inc.Hayden, ID · CDC | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 11.1% | |
| 2 | Residential Building ConstructionNAICS 2361 | 3 | 8.3% | |
| 3 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 8.3% | |
| 4 | Lessors of Real EstateNAICS 5311 | 2 | 5.6% | |
| 5 | Consumer Goods RentalNAICS 5322 | 2 | 5.6% | |
| 6 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 2 | 5.6% | |
| 7 | Household and Institutional Furniture and Kitchen Cabinet ManufacturingNAICS 3371 | 2 | 5.6% | |
| 8 | Activities Related to Real EstateNAICS 5313 | 2 | 5.6% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 2 | 5.6% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 2 | 5.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 11 | 30.6% | |
| 2 | Real Estate and Rental and Leasing | 7 | 19.4% | |
| 3 | Retail Trade | 7 | 19.4% | |
| 4 | Accommodation and Food Services | 5 | 13.9% | |
| 5 | Professional, Scientific, and Technical Services | 3 | 8.3% | |
| 6 | Manufacturing | 2 | 5.6% | |
| 7 | Arts, Entertainment, and Recreation | 1 | 2.8% |
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* | 1 | — | — | 0 | — | 1 | 1 |
| FY2025 | 7 | $1.6M | $150K | 3 | $878K | 10 | 26 |
| FY2024 | 8 | $630K | $39K | 0 | — | 8 | 38 |
| FY2023 | 6 | $867K | $35K | 2 | — | 8 | 73 |
| FY2022 | 4 | $2.1M | $610K | 0 | — | 4 | 46 |
| FY2021 | 6 | $4.7M | $342K | 0 | — | 6 | 29 |
| FY2020 | 1 | — | — | 0 | — | 1 | 12 |
| FY2019 | 4 | $503K | $126K | 0 | — | 4 | 4 |
| FY2018 | 9 | $1.9M | $98K | 0 | — | 9 | 58 |
| FY2017 | 18 | $1.8M | $65K | 0 | — | 18 | 75 |
| FY2016 | 2 | — | — | 1 | — | 3 | 15 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 35 approvals.
Against Idaho and the country
| FY2021–FY2025 | Valley County | Idaho | United States |
|---|---|---|---|
| Approvals | 36 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 48.2 | 56.7 | 41.0 |
| Median 7(a) approval | $82K | $149K | $190K |
| Median 504 approval | $295K | $501K | $657K |
| Average approval | $335K | $484K | $573K |
| 504 share of approvals | 13.9% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 5.9 | 9.2 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less41.7%15
- $50,001 to $150,00011.1%4
- $150,001 to $350,00019.4%7
- $350,001 to $1 million22.2%8
- Over $2 million5.6%2
Age of the businesses
- Existing, more than 2 years old58.3%21
- New business, 2 years or less13.9%5
- Startup, loan funds will open the business13.9%5
- Change of ownership13.9%5
Questions and answers
Which lenders make the most SBA loans in Valley County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (11), Columbia Bank (5), Idaho First Bank (4), Capital Matrix, Inc. (4), Glacier Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Valley County?
The median 7(a) approval was $82K and the median 504 approval $295K; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Valley County?
Restaurants and Other Eating Places (4); Residential Building Construction (3); Foundation, Structure, and Building Exterior Contractors (3); Lessors of Real Estate (2); Consumer Goods Rental (2).
Is SBA lending in Valley County rising?
Approvals in the three latest complete fiscal years total 26, against 11 in the three before: rising (+136%).
How does Valley County compare with the rest of Idaho?
48.2 approvals per 1,000 establishments against 56.7 statewide, and 36 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