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County24th of 39 in Washington by approvalsFIPS 53065
SBA loans in Stevens 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 Stevens County, Washington, received 43 SBA loan approvals worth $7.1M in FY2021 to FY2025 (42 7(a), 1 504).
That is 45.6 approvals per 1,000 business establishments (943 establishments in 2023), close to the Washington figure of 44.0 and close to the national 41.0.
It ranks 24th of 39 Washington counties with approvals. In FY2025 there were 4.
13 lenders had approvals here; the most active were Banner Bank (17), Northwest Bank (5) and Numerica CU (4). The most common industry was logging.
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 Stevens County
By number of approvals to businesses in the county, FY2021–FY2025; 13 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Banner BankWalla Walla, WA | 17 | $1.4M | 39.5% | |
| 2 | Northwest BankBoise, ID | 5 | $563K | 11.6% | |
| 3 | Numerica CUSpokane Valley, WA | 4 | $1.3M | 9.3% | |
| 4 | Idaho Central CUChubbuck, ID | 4 | $1.1M | 9.3% | |
| 5 | RiverBankSpokane, WA | 3 | $696K | 7.0% | |
| 6 | Washington Trust BankSpokane, WA | 2 | — | 4.7% | |
| 7 | KeyBank National AssociationCleveland, OH | 2 | — | 4.7% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.3% | |
| 9 | The Huntington National BankColumbus, OH | 1 | — | 2.3% | |
| 10 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 1 | — | 2.3% | |
| 11 | Glacier BankKalispell, MT | 1 | — | 2.3% | |
| 12 | Northeast BankLewiston, ME | 1 | — | 2.3% | |
| 13 | Columbia BankLake Oswego, OR | 1 | — | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | LoggingNAICS 1133 | 11 | 25.6% | |
| 2 | Consumer Goods RentalNAICS 5322 | 9 | 20.9% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 9.3% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 3 | 7.0% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 7.0% | |
| 6 | Building Finishing ContractorsNAICS 2383 | 2 | 4.7% | |
| 7 | Other Personal ServicesNAICS 8129 | 2 | 4.7% | |
| 8 | Grocery StoresNAICS 4451 | 2 | 4.7% | |
| 9 | Industrial Machinery ManufacturingNAICS 3332 | 2 | 4.7% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 1 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 12 | 27.9% | |
| 2 | Agriculture, Forestry, Fishing and Hunting | 11 | 25.6% | |
| 3 | Real Estate and Rental and Leasing | 9 | 20.9% | |
| 4 | Other Services (except Public Administration) | 3 | 7.0% | |
| 5 | Accommodation and Food Services | 3 | 7.0% | |
| 6 | Retail Trade | 3 | 7.0% | |
| 7 | Manufacturing | 2 | 4.7% |
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* | 2 | — | — | 0 | — | 2 | 11 |
| FY2025 | 3 | $300K | $50K | 1 | — | 4 | 45 |
| FY2024 | 7 | $698K | $50K | 0 | — | 7 | 31 |
| FY2023 | 7 | $1.7M | $150K | 0 | — | 7 | 68 |
| FY2022 | 12 | $2.7M | $97K | 0 | — | 12 | 38 |
| FY2021 | 13 | $1.4M | $95K | 0 | — | 13 | 58 |
| FY2020 | 11 | $847K | $69K | 0 | — | 11 | 90 |
| FY2019 | 13 | $4.4M | $125K | 2 | — | 15 | 93 |
| FY2018 | 14 | $3.7M | $101K | 0 | — | 14 | 133 |
| FY2017 | 10 | $1.7M | $75K | 1 | — | 11 | 54 |
| FY2016 | 6 | $905K | $60K | 0 | — | 6 | 9 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 57 approvals.
Against Washington and the country
| FY2021–FY2025 | Stevens County | Washington | United States |
|---|---|---|---|
| Approvals | 43 | 8,905 | 342,825 |
| Approvals per 1,000 establishments | 45.6 | 44.0 | 41.0 |
| Median 7(a) approval | $95K | $200K | $190K |
| Median 504 approval | — | $699K | $657K |
| Average approval | $164K | $627K | $573K |
| 504 share of approvals | 2.3% | 7.8% | 11.0% |
| Jobs supported per approval, as reported | 5.6 | 9.2 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less39.5%17
- $50,001 to $150,00025.6%11
- $150,001 to $350,00025.6%11
- $350,001 to $1 million9.3%4
Age of the businesses
- Existing, more than 2 years old51.2%22
- New business, 2 years or less27.9%12
- Startup, loan funds will open the business9.3%4
- Change of ownership11.6%5
Questions and answers
Which lenders make the most SBA loans in Stevens County?
By approvals in FY2021 to FY2025: Banner Bank (17), Northwest Bank (5), Numerica CU (4), Idaho Central CU (4), RiverBank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Stevens County?
The median 7(a) approval was $95K; the Washington 7(a) median was $200K.
Which industries get the most SBA loans in Stevens County?
Logging (11); Consumer Goods Rental (9); Other Specialty Trade Contractors (4); Building Equipment Contractors (3); Restaurants and Other Eating Places (3).
Is SBA lending in Stevens County rising?
Approvals in the three latest complete fiscal years total 18, against 36 in the three before: falling (-50%).
How does Stevens County compare with the rest of Washington?
45.6 approvals per 1,000 establishments against 44.0 statewide, and 43 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