Lenders › Columbia Bank
7(a) lenderLake Oswego, OregonFDIC-insured bank18th of 2,184 by approvals
Columbia 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.
Columbia Bank, based in Lake Oswego, Oregon, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 2,820 of its 7(a) loans worth $893M in FY2021 to FY2025, which places it 18th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 649 approvals totalling $66.0M, about level with FY2024 (678). FY2026 to 30 Jun 2026 adds 511 more.
The median approval was $50K, against $190K for the 7(a) program as a whole; 74.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 26 states and territories and 194 counties, led by Washington (37.6%), Oregon (36.2%) and California (13.7%). The largest industry group was construction at 17.6% of approvals, and 2.8% of approvals were to franchise businesses.
Of 7,045 disbursed loans approved in FY2010 to FY2021, SBA records 554 as charged off (7.9%), 5,530 as paid in full and 961 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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* | 511 | $34.2M | $50K | $67K | 2,653 |
| FY2025 | 649 | $66.0M | $50K | $102K | 3,605 |
| FY2024 | 678 | $60.9M | $50K | $90K | 4,028 |
| FY2023 | 344 | $160M | $25K | $466K | 2,964 |
| FY2022 | 538 | $277M | $25K | $515K | 6,240 |
| FY2021 | 611 | $329M | $154K | $538K | 5,837 |
| FY2020 | 553 | $276M | $120K | $500K | 6,343 |
| FY2019 | 564 | $298M | $205K | $528K | 6,655 |
| FY2018 | 529 | $330M | $306K | $624K | 6,612 |
| FY2017 | 388 | $407M | $659K | $1.0M | 6,624 |
| FY2016 | 333 | $289M | $540K | $868K | 5,208 |
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 2,367 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 | 8,152 | 17,200 | 639,905 |
| Cancelled or never disbursed | 1,107 | 2,118 | 79,313 |
| Disbursed loans | 7,045 | 15,082 | 560,592 |
| Paid in full | 5,530 | 12,092 | 435,813 |
| Charged off | 554 | 678 | 36,891 |
| Still outstanding (status exempt from disclosure) | 961 | 2,312 | 87,888 |
| Charged off, share of disbursed loans | 7.9% | 4.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.3% | 1.6% | 2.5% |
| Dollars charged off | $82.9M | $114M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 499 | 234 | 12 | 2.4% | 2.8% |
| FY2020 | 407 | 254 | 14 | 3.4% | 4.0% |
| FY2019 | 491 | 329 | 20 | 4.1% | 6.7% |
| FY2018 | 488 | 338 | 31 | 6.4% | 7.9% |
| FY2017 | 352 | 256 | 15 | 4.3% | 7.7% |
| FY2016 | 311 | 256 | 7 | 2.3% | 7.2% |
| FY2015 | 396 | 325 | 19 | 4.8% | 6.9% |
| FY2014 | 374 | 343 | 10 | 2.7% | 6.4% |
| FY2013 | 643 | 570 | 39 | 6.1% | 6.0% |
| FY2012 | 724 | 639 | 60 | 8.3% | 6.3% |
| FY2011 | 1,067 | 926 | 113 | 10.6% | 6.9% |
| FY2010 | 1,293 | 1,060 | 214 | 16.6% | 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 | $50K | $190K |
| Average approval | $317K | $518K |
| Approvals of $150,000 or less | 74.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 10.2% | 34.3% |
| Approvals to franchise businesses | 2.8% | 11.5% |
| Jobs supported per approval, as reported | 8.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 7.9% | 6.6% |
States served
| # | State of the business (26 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Washington | 1,061 | $266M | 37.6% | |
| 2 | Oregon | 1,021 | $167M | 36.2% | |
| 3 | California | 387 | $280M | 13.7% | |
| 4 | Idaho | 197 | $34.5M | 7.0% | |
| 5 | Colorado | 43 | $46.3M | 1.5% | |
| 6 | Arizona | 30 | $19.6M | 1.1% | |
| 7 | Texas | 21 | $23.5M | 0.7% | |
| 8 | Nevada | 21 | $8.7M | 0.7% | |
| 9 | Florida | 8 | $8.8M | 0.3% | |
| 10 | Utah | 5 | $4.6M | 0.2% | |
| 11 | Illinois | 4 | $3.0M | 0.1% | |
| 12 | Georgia | 3 | $2.7M | 0.1% |
In Washington the lender accounts for 12.9% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (194 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | King County, WA | 296 | $121M | 10.5% | |
| 2 | Pierce County, WA | 175 | $27.3M | 6.2% | |
| 3 | Marion County, OR | 148 | $19.5M | 5.2% | |
| 4 | Multnomah County, OR | 126 | $26.5M | 4.5% | |
| 5 | Clackamas County, OR | 113 | $21.1M | 4.0% | |
| 6 | Snohomish County, WA | 111 | $33.3M | 3.9% | |
| 7 | Lane County, OR | 100 | $8.7M | 3.5% | |
| 8 | Clark County, WA | 97 | $41.8M | 3.4% | |
| 9 | Washington County, OR | 96 | $30.9M | 3.4% | |
| 10 | Kitsap County, WA | 69 | $7.7M | 2.4% | |
| 11 | Los Angeles County, CA | 62 | $82.2M | 2.2% | |
| 12 | Bonner County, ID | 56 | $6.8M | 2.0% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 495 | 17.6% | |
| 2 | Retail Trade | 345 | 12.2% | |
| 3 | Health Care and Social Assistance | 285 | 10.1% | |
| 4 | Other Services (except Public Administration) | 246 | 8.7% | |
| 5 | Professional, Scientific, and Technical Services | 241 | 8.5% | |
| 6 | Accommodation and Food Services | 226 | 8.0% | |
| 7 | Manufacturing | 211 | 7.5% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 198 | 7.0% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 165 | 5.9% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 160 | 5.7% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 136 | 4.8% | |
| 4 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 116 | 4.1% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 101 | 3.6% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 98 | 3.5% | |
| 7 | General Freight TruckingNAICS 4841 | 94 | 3.3% | |
| 8 | Personal Care ServicesNAICS 8121 | 73 | 2.6% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 72 | 2.6% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 72 | 2.6% |
Approval sizes
- $50,000 or less72.8%2,053
- $50,001 to $150,0001.4%40
- $150,001 to $350,0003.9%110
- $350,001 to $1 million11.7%330
- $1 million to $2 million6.8%193
- Over $2 million3.3%94
Loan terms
- 5 years or less0.2%6
- Over 5 to 10 years87.6%2,469
- Over 10 to 20 years1.6%45
- Over 20 years10.6%300
Age of the businesses
- Existing, more than 2 years old82.9%2,339
- New business, 2 years or less8.9%252
- Startup, loan funds will open the business1.3%37
- Change of ownership6.8%192
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 2,134 | 75.7% | |
| 2 | Preferred Lenders Program | 666 | 23.6% | |
| 3 | 7a General | 16 | 0.6% | |
| 4 | 7a with EWCP | 3 | 0.1% | |
| 5 | International Trade Loans | 1 | 0.0% |
Franchise share
80 of 2,820 approvals in FY2021–FY2025 (2.8%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Bellagios Pizza | 4 | 0.1% | |
| 2 | Ace Hardware | 3 | 0.1% | |
| 3 | The UPS Store | 3 | 0.1% | |
| 4 | TacoTime | 3 | 0.1% | |
| 5 | Comfort Keepers | 2 | 0.1% | |
| 6 | AM/PM Mini-Mart Agreement | 2 | 0.1% | |
| 7 | Circle K | 2 | 0.1% | |
| 8 | Sun Pacific Energy Inc | 2 | 0.1% |
Questions and answers
How many SBA loans does Columbia Bank make?
SBA approved 649 7(a) loans through Columbia Bank in FY2025, worth $66.0M, and 2,820 over FY2021 to FY2025. That ranks 18th of 2,184 active 7(a) lenders by number of approvals.
How large are Columbia Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $50K and the average $317K. The program-wide median was $190K.
What is Columbia Bank's charge-off rate?
Of 7,045 disbursed loans approved in FY2010 to FY2021, SBA records 554 as charged off (7.9%), 5,530 as paid in full and 961 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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 Columbia Bank lend to most?
By number of approvals in FY2021 to FY2025: residential building construction (165); restaurants and other eating places (160); services to buildings and dwellings (136); continuing care retirement communities and assisted living facilities for the elderly (116).
Where does Columbia Bank make SBA loans?
In 26 states and territories. Washington 1,061, Oregon 1,021, California 387, Idaho 197, Colorado 43. In Washington it accounts for 12.9% of all 7(a) approvals.
Is Columbia Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 1,671, against 1,702 in the three before: broadly level (-2%).
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