Lenders › Bank of Bridger National Association
7(a) lenderBridger, MontanaFDIC-insured bank313th of 2,184 by approvals
Bank of Bridger National Association
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
Bank of Bridger National Association (Bridger, Montana) is an FDIC-insured bank in the SBA 7(a) program, 313th of 2,184 by approvals in FY2021 to FY2025: 102 loans worth $25.3M.
In FY2025, the latest complete fiscal year, it had 2 approvals totalling —.
The median approval was $127K, against $190K for the 7(a) program as a whole; 60.8% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 4 states and territories and 14 counties, led by Wyoming (52.9%), Montana (45.1%) and Nevada (1.0%). The largest industry group was wholesale trade at 25.5% of approvals, and 1.0% of approvals were to franchise businesses.
Of 328 disbursed loans approved in FY2010 to FY2021, SBA records 15 as charged off (4.6%), 276 as paid in full and 37 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 0 | — | — | — | 0 |
| FY2025 | 2 | — | — | — | 54 |
| FY2024 | 6 | $1.8M | $233K | $298K | 34 |
| FY2023 | 19 | $4.5M | $200K | $237K | 129 |
| FY2022 | 32 | $3.9M | $101K | $122K | 175 |
| FY2021 | 43 | $9.8M | $125K | $228K | 274 |
| FY2020 | 26 | $9.8M | $100K | $376K | 368 |
| FY2019 | 20 | $3.8M | $61K | $189K | 232 |
| FY2018 | 43 | $7.6M | $50K | $178K | 373 |
| FY2017 | 45 | $6.3M | $59K | $140K | 242 |
| FY2016 | 31 | $5.1M | $120K | $163K | 211 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 165 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Wyoming | 7(a) program |
|---|---|---|---|
| Approvals in these years | 348 | 1,253 | 639,905 |
| Cancelled or never disbursed | 20 | 149 | 79,313 |
| Disbursed loans | 328 | 1,104 | 560,592 |
| Paid in full | 276 | 893 | 435,813 |
| Charged off | 15 | 63 | 36,891 |
| Still outstanding (status exempt from disclosure) | 37 | 148 | 87,888 |
| Charged off, share of disbursed loans | 4.6% | 5.7% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.8% | 2.1% | 2.5% |
| Dollars charged off | $1.1M | $8.1M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 43 | 31 | 1 | 2.3% | 2.8% |
| FY2020 | 24 | 18 | 0 | — | 4.0% |
| FY2019 | 17 | 16 | 0 | — | 6.7% |
| FY2018 | 41 | 36 | 0 | 0.0% | 7.9% |
| FY2017 | 44 | 36 | 1 | 2.3% | 7.7% |
| FY2016 | 29 | 28 | 0 | — | 7.2% |
| FY2015 | 19 | 19 | 0 | — | 6.9% |
| FY2014 | 30 | 24 | 5 | 16.7% | 6.4% |
| FY2013 | 24 | 20 | 2 | — | 6.0% |
| FY2012 | 23 | 19 | 4 | — | 6.3% |
| FY2011 | 11 | 10 | 0 | — | 6.9% |
| FY2010 | 23 | 19 | 2 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $127K | $190K |
| Average approval | $248K | $518K |
| Approvals of $150,000 or less | 60.8% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 10.8% | 34.3% |
| Approvals to franchise businesses | 1.0% | 11.5% |
| Jobs supported per approval, as reported | 6.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.6% | 6.6% |
States served
| # | State of the business (4 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wyoming | 54 | $14.2M | 52.9% | |
| 2 | Montana | 46 | $10.8M | 45.1% | |
| 3 | Nevada | 1 | — | 1.0% | |
| 4 | Idaho | 1 | — | 1.0% |
In Wyoming the lender accounts for 10.4% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (14 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Big Horn County, WY | 30 | $4.9M | 29.4% | |
| 2 | Carbon County, MT | 17 | $3.4M | 16.7% | |
| 3 | Park County, WY | 14 | $2.7M | 13.7% | |
| 4 | Yellowstone County, MT | 10 | $1.9M | 9.8% | |
| 5 | Valley County, MT | 8 | $769K | 7.8% | |
| 6 | Hot Springs County, WY | 5 | $5.9M | 4.9% | |
| 7 | Washakie County, WY | 5 | $765K | 4.9% | |
| 8 | Phillips County, MT | 3 | $3.1M | 2.9% | |
| 9 | Deer Lodge County, MT | 3 | $680K | 2.9% | |
| 10 | Park County, MT | 2 | — | 2.0% | |
| 11 | Richland County, MT | 2 | — | 2.0% | |
| 12 | Sheridan County, MT | 1 | — | 1.0% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Wholesale Trade | 26 | 25.5% | |
| 2 | Construction | 19 | 18.6% | |
| 3 | Manufacturing | 13 | 12.7% | |
| 4 | Retail Trade | 11 | 10.8% | |
| 5 | Accommodation and Food Services | 9 | 8.8% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 7 | 6.9% | |
| 7 | Transportation and Warehousing | 6 | 5.9% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 3 | 2.9% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Farm Product Raw Material Merchant WholesalersNAICS 4245 | 22 | 21.6% | |
| 2 | Highway, Street, and Bridge ConstructionNAICS 2373 | 8 | 7.8% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 5 | 4.9% | |
| 4 | General Freight TruckingNAICS 4841 | 5 | 4.9% | |
| 5 | Building Material and Supplies DealersNAICS 4441 | 4 | 3.9% | |
| 6 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 3.9% | |
| 7 | Other Heavy and Civil Engineering ConstructionNAICS 2379 | 4 | 3.9% | |
| 8 | Cement and Concrete Product ManufacturingNAICS 3273 | 3 | 2.9% | |
| 9 | Traveler AccommodationNAICS 7211 | 3 | 2.9% | |
| 10 | Cattle Ranching and FarmingNAICS 1121 | 3 | 2.9% |
Approval sizes
- $50,000 or less19.6%20
- $50,001 to $150,00041.2%42
- $150,001 to $350,00024.5%25
- $350,001 to $1 million12.7%13
- Over $2 million2.0%2
Loan terms
- 5 years or less59.8%61
- Over 5 to 10 years16.7%17
- Over 10 to 20 years10.8%11
- Over 20 years12.7%13
Age of the businesses
- Existing, more than 2 years old69.6%71
- New business, 2 years or less8.8%9
- Startup, loan funds will open the business2.0%2
- Change of ownership18.6%19
- Not answered1.0%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 43 | 42.2% | |
| 2 | SBA Express Program | 20 | 19.6% | |
| 3 | Seasonal CAPLine | 16 | 15.7% | |
| 4 | Contract CAPLine | 13 | 12.7% | |
| 5 | Working Capital CAPLine | 7 | 6.9% | |
| 6 | 7a General | 3 | 2.9% |
Franchise share
1 of 102 approvals in FY2021–FY2025 (1.0%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | H&R Block | 1 | 1.0% |
Questions and answers
How many SBA loans does Bank of Bridger National Association make?
SBA approved 2 7(a) loans through Bank of Bridger National Association in FY2025, worth —, and 102 over FY2021 to FY2025. That ranks 313th of 2,184 active 7(a) lenders by number of approvals.
How large are Bank of Bridger National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $127K and the average $248K. The program-wide median was $190K.
What is Bank of Bridger National Association's charge-off rate?
Of 328 disbursed loans approved in FY2010 to FY2021, SBA records 15 as charged off (4.6%), 276 as paid in full and 37 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Bank of Bridger National Association lend to most?
By number of approvals in FY2021 to FY2025: farm product raw material merchant wholesalers (22); highway, street, and bridge construction (8); services to buildings and dwellings (5); general freight trucking (5).
Where does Bank of Bridger National Association make SBA loans?
In 4 states and territories. Wyoming 54, Montana 46, Nevada 1, Idaho 1. In Wyoming it accounts for 10.4% of all 7(a) approvals.
Is Bank of Bridger National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 27, against 101 in the three before: falling (-73%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error