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County29th of 39 in Washington by approvalsFIPS 53001
SBA loans in Adams County, Washington
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 Adams County, Washington, received 30 SBA loan approvals worth $13.9M in FY2021 to FY2025 (29 7(a), 1 504).
That is 74.8 approvals per 1,000 business establishments (401 establishments in 2023), above the Washington figure of 44.0 and above the national 41.0.
It ranks 29th of 39 Washington counties with approvals. In FY2025 there were 9.
9 lenders had approvals here; the most active were Columbia Bank (15), Washington Trust Bank (5) and PCB Bank (2). The most common industry was general freight trucking.
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 Adams County
By number of approvals to businesses in the county, FY2021–FY2025; 9 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 15 | $422K | 50.0% | |
| 2 | Washington Trust BankSpokane, WA | 5 | $1.9M | 16.7% | |
| 3 | PCB BankLos Angeles, CA | 2 | — | 6.7% | |
| 4 | Banner BankWalla Walla, WA | 2 | — | 6.7% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 6.7% | |
| 6 | Port 51 Lending LLCNew York, NY | 1 | — | 3.3% | |
| 7 | Harvest Small Business Finance, LLCLaguna Hills, CA | 1 | — | 3.3% | |
| 8 | Ameritrust CDCEdmonds, WA · CDC | 1 | — | 3.3% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 7 | 23.3% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 16.7% | |
| 3 | Specialized Freight TruckingNAICS 4842 | 2 | 6.7% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 6.7% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 6.7% | |
| 6 | Gasoline StationsNAICS 4571 | 1 | 3.3% | |
| 7 | Traveler AccommodationNAICS 7211 | 1 | 3.3% | |
| 8 | Gasoline StationsNAICS 4471 | 1 | 3.3% | |
| 9 | Grocery StoresNAICS 4451 | 1 | 3.3% | |
| 10 | Architectural, Engineering, and Related ServicesNAICS 5413 | 1 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 9 | 30.0% | |
| 2 | Retail Trade | 5 | 16.7% | |
| 3 | Arts, Entertainment, and Recreation | 5 | 16.7% | |
| 4 | Accommodation and Food Services | 3 | 10.0% | |
| 5 | Professional, Scientific, and Technical Services | 3 | 10.0% | |
| 6 | Other Services (except Public Administration) | 3 | 10.0% | |
| 7 | Construction | 2 | 6.7% |
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* | 3 | $110K | $50K | 0 | — | 3 | 6 |
| FY2025 | 8 | $5.4M | $150K | 1 | — | 9 | 44 |
| FY2024 | 7 | $5.8M | $50K | 0 | — | 7 | 37 |
| FY2023 | 2 | — | — | 0 | — | 2 | 16 |
| FY2022 | 1 | — | — | 0 | — | 1 | 2 |
| FY2021 | 11 | $2.6M | $25K | 0 | — | 11 | 39 |
| FY2020 | 5 | $1.6M | $78K | 0 | — | 5 | 33 |
| FY2019 | 4 | $205K | $25K | 0 | — | 4 | 13 |
| FY2018 | 4 | $185K | $30K | 0 | — | 4 | 9 |
| FY2017 | 9 | $6.4M | $255K | 0 | — | 9 | 29 |
| FY2016 | 1 | — | — | 0 | — | 1 | 0 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 23 approvals.
Against Washington and the country
| FY2021–FY2025 | Adams County | Washington | United States |
|---|---|---|---|
| Approvals | 30 | 8,905 | 342,825 |
| Approvals per 1,000 establishments | 74.8 | 44.0 | 41.0 |
| Median 7(a) approval | $41K | $200K | $190K |
| Median 504 approval | — | $699K | $657K |
| Average approval | $463K | $627K | $573K |
| 504 share of approvals | 3.3% | 7.8% | 11.0% |
| Jobs supported per approval, as reported | 4.6 | 9.2 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less60.0%18
- $50,001 to $150,00016.7%5
- $350,001 to $1 million13.3%4
- Over $2 million10.0%3
Age of the businesses
- Existing, more than 2 years old80.0%24
- Startup, loan funds will open the business13.3%4
- Change of ownership6.7%2
Questions and answers
Which lenders make the most SBA loans in Adams County?
By approvals in FY2021 to FY2025: Columbia Bank (15), Washington Trust Bank (5), PCB Bank (2), Banner Bank (2), U.S. Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Adams County?
The median 7(a) approval was $41K; the Washington 7(a) median was $200K.
Which industries get the most SBA loans in Adams County?
General Freight Trucking (7); Other Amusement and Recreation Industries (5); Specialized Freight Trucking (2); Restaurants and Other Eating Places (2); Automotive Repair and Maintenance (2).
Is SBA lending in Adams County rising?
Approvals in the three latest complete fiscal years total 18, against 17 in the three before: broadly level (+6%).
How does Adams County compare with the rest of Washington?
74.8 approvals per 1,000 establishments against 44.0 statewide, and 30 of the state's 8,905 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