County13th of 34 in Oregon by approvalsFIPS 41011
SBA loans in Coos County, Oregon
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 71 loans to businesses in Coos County, Oregon, in FY2021 to FY2025, worth $30.1M: 67 under 7(a) and 4 under 504.
That is 43.6 approvals per 1,000 business establishments (1,627 establishments in 2023), close to the Oregon figure of 40.8 and close to the national 41.0.
It ranks 13th of 34 Oregon counties with approvals. In FY2025 there were 21, about level with FY2024.
18 lenders had approvals here; the most active were Banner Bank (26), Columbia Bank (22) and U.S. Bank, National Association (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 Coos County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Banner BankWalla Walla, WA | 26 | $3.2M | 36.6% | |
| 2 | Columbia BankLake Oswego, OR | 22 | $4.6M | 31.0% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 4 | $1.2M | 5.6% | |
| 4 | BayFirst National BankSaint Petersburg, FL | 3 | $3.0M | 4.2% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 2.8% | |
| 6 | The Huntington National BankColumbus, OH | 2 | — | 2.8% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 1.4% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.4% | |
| 9 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 1 | — | 1.4% | |
| 10 | United Midwest Savings Bank National AssociationDe Graff, OH | 1 | — | 1.4% | |
| 11 | Enterprise Bank & TrustClayton, MO | 1 | — | 1.4% | |
| 12 | Mortgage Capital Development CorporationOakland, CA · CDC | 1 | — | 1.4% | |
| 13 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 1.4% | |
| 14 | C.C.D. Business Development CorporationRoseburg, OR · CDC | 1 | — | 1.4% | |
| 15 | Northwest BankBoise, ID | 1 | — | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 6 | 8.5% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 5 | 7.0% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 5.6% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 5.6% | |
| 5 | Traveler AccommodationNAICS 7211 | 3 | 4.2% | |
| 6 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 4.2% | |
| 7 | Remediation and Other Waste Management ServicesNAICS 5629 | 3 | 4.2% | |
| 8 | Grocery StoresNAICS 4451 | 3 | 4.2% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 2.8% | |
| 10 | Personal Care ServicesNAICS 8121 | 2 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 20 | 28.2% | |
| 2 | Retail Trade | 16 | 22.5% | |
| 3 | Accommodation and Food Services | 8 | 11.3% | |
| 4 | Manufacturing | 6 | 8.5% | |
| 5 | Other Services (except Public Administration) | 5 | 7.0% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 5 | 7.0% | |
| 7 | Professional, Scientific, and Technical Services | 3 | 4.2% | |
| 8 | Transportation and Warehousing | 2 | 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* | 12 | $1.3M | $50K | 0 | — | 12 | 63 |
| FY2025 | 20 | $7.7M | $50K | 1 | — | 21 | 161 |
| FY2024 | 21 | $4.5M | $50K | 0 | — | 21 | 137 |
| FY2023 | 13 | $4.9M | $80K | 2 | — | 15 | 86 |
| FY2022 | 6 | $5.2M | $840K | 1 | — | 7 | 62 |
| FY2021 | 7 | $3.6M | $238K | 0 | — | 7 | 80 |
| FY2020 | 7 | $3.9M | $65K | 0 | — | 7 | 74 |
| FY2019 | 8 | $1.9M | $106K | 1 | — | 9 | 45 |
| FY2018 | 10 | $1.9M | $63K | 0 | — | 10 | 53 |
| FY2017 | 11 | $3.7M | $100K | 0 | — | 11 | 28 |
| FY2016 | 5 | $1.5M | $350K | 0 | — | 5 | 99 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 42 approvals.
Against Oregon and the country
| FY2021–FY2025 | Coos County | Oregon | United States |
|---|---|---|---|
| Approvals | 71 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 43.6 | 40.8 | 41.0 |
| Median 7(a) approval | $51K | $118K | $190K |
| Median 504 approval | $605K | $667K | $657K |
| Average approval | $423K | $529K | $573K |
| 504 share of approvals | 5.6% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 7.4 | 8.4 | 10.5 |
| Share of state approvals | 1.4% | 100.0% | — |
Approval sizes
- $50,000 or less46.5%33
- $50,001 to $150,00012.7%9
- $150,001 to $350,00014.1%10
- $350,001 to $1 million14.1%10
- $1 million to $2 million8.5%6
- Over $2 million4.2%3
Age of the businesses
- Existing, more than 2 years old63.4%45
- New business, 2 years or less14.1%10
- Startup, loan funds will open the business5.6%4
- Change of ownership16.9%12
Questions and answers
Which lenders make the most SBA loans in Coos County?
By approvals in FY2021 to FY2025: Banner Bank (26), Columbia Bank (22), U.S. Bank, National Association (4), BayFirst National Bank (3), Wells Fargo Bank National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Coos County?
The median 7(a) approval was $51K and the median 504 approval $605K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Coos County?
Residential Building Construction (6); Building Equipment Contractors (5); Restaurants and Other Eating Places (4); Other Specialty Trade Contractors (4); Traveler Accommodation (3).
Is SBA lending in Coos County rising?
Approvals in the three latest complete fiscal years total 57, against 21 in the three before: rising (+171%).
How does Coos County compare with the rest of Oregon?
43.6 approvals per 1,000 establishments against 40.8 statewide, and 71 of the state's 5,000 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