Lenders › Banner Bank
7(a) lenderWalla Walla, WashingtonFDIC-insured bank36th of 2,184 by approvals
Banner Bank
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.
Banner Bank, based in Walla Walla, Washington, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 1,183 of its 7(a) loans worth $299M in FY2021 to FY2025, which places it 36th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 281 approvals totalling $74.8M, about level with FY2024 (300). FY2026 to 30 Jun 2026 adds 116 more.
The median approval was $100K, against $190K for the 7(a) program as a whole; 64.3% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 6 states and territories and 92 counties, led by Washington (51.3%), California (24.1%) and Oregon (19.0%). The largest industry group was construction at 23.2% of approvals, and 3.7% of approvals were to franchise businesses.
Of 2,578 disbursed loans approved in FY2010 to FY2021, SBA records 83 as charged off (3.2%), 2,271 as paid in full and 224 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* | 116 | $45.1M | $100K | $388K | 1,173 |
| FY2025 | 281 | $74.8M | $100K | $266K | 2,814 |
| FY2024 | 300 | $75.7M | $100K | $252K | 2,615 |
| FY2023 | 190 | $45.6M | $100K | $240K | 1,922 |
| FY2022 | 170 | $35.2M | $100K | $207K | 1,522 |
| FY2021 | 242 | $67.4M | $101K | $278K | 2,199 |
| FY2020 | 166 | $32.1M | $100K | $193K | 1,588 |
| FY2019 | 281 | $78.1M | $100K | $278K | 2,870 |
| FY2018 | 303 | $51.6M | $75K | $170K | 2,350 |
| FY2017 | 350 | $47.0M | $80K | $134K | 1,723 |
| FY2016 | 278 | $49.8M | $75K | $179K | 2,105 |
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 1,378 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 | Washington | 7(a) program |
|---|---|---|---|
| Approvals in these years | 2,746 | 17,200 | 639,905 |
| Cancelled or never disbursed | 168 | 2,118 | 79,313 |
| Disbursed loans | 2,578 | 15,082 | 560,592 |
| Paid in full | 2,271 | 12,092 | 435,813 |
| Charged off | 83 | 678 | 36,891 |
| Still outstanding (status exempt from disclosure) | 224 | 2,312 | 87,888 |
| Charged off, share of disbursed loans | 3.2% | 4.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.7% | 1.6% | 2.5% |
| Dollars charged off | $9.9M | $114M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 219 | 147 | 1 | 0.5% | 2.8% |
| FY2020 | 158 | 109 | 6 | 3.8% | 4.0% |
| FY2019 | 271 | 210 | 17 | 6.3% | 6.7% |
| FY2018 | 294 | 264 | 5 | 1.7% | 7.9% |
| FY2017 | 335 | 304 | 11 | 3.3% | 7.7% |
| FY2016 | 270 | 244 | 15 | 5.6% | 7.2% |
| FY2015 | 276 | 265 | 10 | 3.6% | 6.9% |
| FY2014 | 229 | 221 | 5 | 2.2% | 6.4% |
| FY2013 | 181 | 175 | 2 | 1.1% | 6.0% |
| FY2012 | 174 | 168 | 5 | 2.9% | 6.3% |
| FY2011 | 116 | 111 | 4 | 3.4% | 6.9% |
| FY2010 | 55 | 53 | 2 | 3.6% | 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 | $100K | $190K |
| Average approval | $252K | $518K |
| Approvals of $150,000 or less | 64.3% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 22.0% | 34.3% |
| Approvals to franchise businesses | 3.7% | 11.5% |
| Jobs supported per approval, as reported | 9.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.2% | 6.6% |
States served
| # | State of the business (6 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Washington | 607 | $147M | 51.3% | |
| 2 | California | 285 | $94.3M | 24.1% | |
| 3 | Oregon | 225 | $43.0M | 19.0% | |
| 4 | Idaho | 63 | $13.2M | 5.3% | |
| 5 | New York | 2 | — | 0.2% | |
| 6 | Alaska | 1 | — | 0.1% |
In Washington the lender accounts for 7.4% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (92 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | King County, WA | 171 | $53.8M | 14.5% | |
| 2 | San Diego County, CA | 65 | $18.3M | 5.5% | |
| 3 | Sacramento County, CA | 63 | $18.6M | 5.3% | |
| 4 | Spokane County, WA | 56 | $11.4M | 4.7% | |
| 5 | Yakima County, WA | 50 | $7.5M | 4.2% | |
| 6 | Clark County, WA | 49 | $14.0M | 4.1% | |
| 7 | Snohomish County, WA | 47 | $7.9M | 4.0% | |
| 8 | Benton County, WA | 37 | $7.9M | 3.1% | |
| 9 | Washington County, OR | 36 | $10.9M | 3.0% | |
| 10 | Whatcom County, WA | 33 | $5.6M | 2.8% | |
| 11 | Jackson County, OR | 32 | $3.8M | 2.7% | |
| 12 | Lane County, OR | 30 | $4.1M | 2.5% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 274 | 23.2% | |
| 2 | Professional, Scientific, and Technical Services | 125 | 10.6% | |
| 3 | Retail Trade | 109 | 9.2% | |
| 4 | Accommodation and Food Services | 100 | 8.5% | |
| 5 | Manufacturing | 97 | 8.2% | |
| 6 | Health Care and Social Assistance | 77 | 6.5% | |
| 7 | Other Services (except Public Administration) | 69 | 5.8% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 64 | 5.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 86 | 7.3% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 76 | 6.4% | |
| 3 | Residential Building ConstructionNAICS 2361 | 57 | 4.8% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 51 | 4.3% | |
| 5 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 36 | 3.0% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 35 | 3.0% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 33 | 2.8% | |
| 8 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 29 | 2.5% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 27 | 2.3% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 27 | 2.3% |
Approval sizes
- $50,000 or less33.5%396
- $50,001 to $150,00030.9%365
- $150,001 to $350,00017.3%205
- $350,001 to $1 million13.4%158
- $1 million to $2 million3.6%43
- Over $2 million1.4%16
Loan terms
- 5 years or less18.9%224
- Over 5 to 10 years76.9%910
- Over 10 to 20 years1.6%19
- Over 20 years2.5%30
Age of the businesses
- Existing, more than 2 years old71.7%848
- New business, 2 years or less16.1%190
- Startup, loan funds will open the business5.9%70
- Change of ownership6.3%75
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 1,025 | 86.6% | |
| 2 | Preferred Lenders Program | 130 | 11.0% | |
| 3 | Working Capital CAPLine | 10 | 0.8% | |
| 4 | Export Express | 7 | 0.6% | |
| 5 | 7a General | 6 | 0.5% | |
| 6 | Preferred Lenders with WCP | 2 | 0.2% |
Franchise share
44 of 1,183 approvals in FY2021–FY2025 (3.7%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Subway | 4 | 0.3% | |
| 2 | Pure Barre | 3 | 0.3% | |
| 3 | Play It Again Sports | 2 | 0.2% | |
| 4 | Jersey Mike’s Subs | 2 | 0.2% | |
| 5 | Smash My Trash | 2 | 0.2% | |
| 6 | Hand and Stone Massage and Facial Spa | 2 | 0.2% | |
| 7 | Mighty Dog Roofing | 2 | 0.2% | |
| 8 | Sun Pacific Energy Inc | 1 | 0.1% |
Questions and answers
How many SBA loans does Banner Bank make?
SBA approved 281 7(a) loans through Banner Bank in FY2025, worth $74.8M, and 1,183 over FY2021 to FY2025. That ranks 36th of 2,184 active 7(a) lenders by number of approvals.
How large are Banner Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $100K and the average $252K. The program-wide median was $190K.
What is Banner Bank's charge-off rate?
Of 2,578 disbursed loans approved in FY2010 to FY2021, SBA records 83 as charged off (3.2%), 2,271 as paid in full and 224 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 Banner Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (86); other specialty trade contractors (76); residential building construction (57); building equipment contractors (51).
Where does Banner Bank make SBA loans?
In 6 states and territories. Washington 607, California 285, Oregon 225, Idaho 63, New York 2. In Washington it accounts for 7.4% of all 7(a) approvals.
Is Banner Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 771, against 578 in the three before: rising (+33%).
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