Lenders › Glacier Bank
7(a) lenderKalispell, MontanaFDIC-insured bank66th of 2,184 by approvals
Glacier 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.
Glacier Bank, based in Kalispell, Montana, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 579 of its 7(a) loans worth $301M in FY2021 to FY2025, which places it 66th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 88 approvals totalling $42.1M, about level with FY2024 (82). FY2026 to 30 Jun 2026 adds 42 more.
The median approval was $220K, against $190K for the 7(a) program as a whole; 41.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 14 states and territories and 94 counties, led by Idaho (46.3%), Montana (20.4%) and Washington (10.9%). The largest industry group was construction at 14.7% of approvals, and 10.4% of approvals were to franchise businesses.
Of 2,713 disbursed loans approved in FY2010 to FY2021, SBA records 80 as charged off (2.9%), 2,375 as paid in full and 258 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* | 42 | $29.2M | $241K | $695K | 383 |
| FY2025 | 88 | $42.1M | $185K | $478K | 1,102 |
| FY2024 | 82 | $44.8M | $221K | $546K | 930 |
| FY2023 | 106 | $35.7M | $124K | $336K | 1,544 |
| FY2022 | 125 | $61.0M | $252K | $488K | 1,487 |
| FY2021 | 178 | $117M | $304K | $659K | 2,527 |
| FY2020 | 131 | $48.3M | $168K | $368K | 1,168 |
| FY2019 | 151 | $54.0M | $154K | $357K | 1,595 |
| FY2018 | 209 | $75.5M | $143K | $361K | 2,131 |
| FY2017 | 276 | $108M | $125K | $393K | 2,200 |
| FY2016 | 269 | $102M | $150K | $378K | 2,697 |
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 1,036 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 | Idaho | 7(a) program |
|---|---|---|---|
| Approvals in these years | 2,978 | 6,024 | 639,905 |
| Cancelled or never disbursed | 265 | 711 | 79,313 |
| Disbursed loans | 2,713 | 5,313 | 560,592 |
| Paid in full | 2,375 | 4,503 | 435,813 |
| Charged off | 80 | 192 | 36,891 |
| Still outstanding (status exempt from disclosure) | 258 | 618 | 87,888 |
| Charged off, share of disbursed loans | 2.9% | 3.6% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.8% | 1.5% | 2.5% |
| Dollars charged off | $16.7M | $24.0M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 162 | 76 | 2 | 1.2% | 2.8% |
| FY2020 | 120 | 80 | 0 | 0.0% | 4.0% |
| FY2019 | 139 | 105 | 1 | 0.7% | 6.7% |
| FY2018 | 197 | 176 | 2 | 1.0% | 7.9% |
| FY2017 | 259 | 221 | 13 | 5.0% | 7.7% |
| FY2016 | 251 | 230 | 7 | 2.8% | 7.2% |
| FY2015 | 271 | 243 | 11 | 4.1% | 6.9% |
| FY2014 | 238 | 221 | 11 | 4.6% | 6.4% |
| FY2013 | 223 | 215 | 5 | 2.2% | 6.0% |
| FY2012 | 247 | 236 | 8 | 3.2% | 6.3% |
| FY2011 | 330 | 309 | 11 | 3.3% | 6.9% |
| FY2010 | 276 | 263 | 9 | 3.3% | 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 | $220K | $190K |
| Average approval | $520K | $518K |
| Approvals of $150,000 or less | 41.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 45.8% | 34.3% |
| Approvals to franchise businesses | 10.4% | 11.5% |
| Jobs supported per approval, as reported | 13.1 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.9% | 6.6% |
States served
| # | State of the business (14 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Idaho | 268 | $105M | 46.3% | |
| 2 | Montana | 118 | $41.6M | 20.4% | |
| 3 | Washington | 63 | $51.1M | 10.9% | |
| 4 | Texas | 52 | $45.0M | 9.0% | |
| 5 | Colorado | 29 | $18.2M | 5.0% | |
| 6 | Utah | 22 | $15.9M | 3.8% | |
| 7 | Wyoming | 17 | $16.1M | 2.9% | |
| 8 | Arizona | 3 | $1.3M | 0.5% | |
| 9 | Ohio | 2 | — | 0.3% | |
| 10 | California | 1 | — | 0.2% | |
| 11 | Alabama | 1 | — | 0.2% | |
| 12 | Nevada | 1 | — | 0.2% |
In Idaho the lender accounts for 9.7% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (94 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Kootenai County, ID | 64 | $12.9M | 11.1% | |
| 2 | Ada County, ID | 61 | $31.6M | 10.5% | |
| 3 | Spokane County, WA | 42 | $37.9M | 7.3% | |
| 4 | Bonner County, ID | 42 | $5.6M | 7.3% | |
| 5 | Yellowstone County, MT | 35 | $12.4M | 6.0% | |
| 6 | Bonneville County, ID | 24 | $9.6M | 4.1% | |
| 7 | Flathead County, MT | 23 | $3.4M | 4.0% | |
| 8 | Lewis and Clark County, MT | 18 | $5.8M | 3.1% | |
| 9 | Missoula County, MT | 17 | $6.4M | 2.9% | |
| 10 | Canyon County, ID | 15 | $14.3M | 2.6% | |
| 11 | Boundary County, ID | 15 | $3.0M | 2.6% | |
| 12 | Gallatin County, MT | 12 | $9.4M | 2.1% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 85 | 14.7% | |
| 2 | Accommodation and Food Services | 81 | 14.0% | |
| 3 | Retail Trade | 66 | 11.4% | |
| 4 | Health Care and Social Assistance | 66 | 11.4% | |
| 5 | Manufacturing | 55 | 9.5% | |
| 6 | Other Services (except Public Administration) | 53 | 9.2% | |
| 7 | Professional, Scientific, and Technical Services | 29 | 5.0% | |
| 8 | Real Estate and Rental and Leasing | 27 | 4.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 65 | 11.2% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 25 | 4.3% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 25 | 4.3% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 19 | 3.3% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 18 | 3.1% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 17 | 2.9% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 17 | 2.9% | |
| 8 | Lessors of Real EstateNAICS 5311 | 14 | 2.4% | |
| 9 | Offices of PhysiciansNAICS 6211 | 13 | 2.2% | |
| 10 | Personal Care ServicesNAICS 8121 | 13 | 2.2% |
Approval sizes
- $50,000 or less22.3%129
- $50,001 to $150,00019.2%111
- $150,001 to $350,00020.7%120
- $350,001 to $1 million23.5%136
- $1 million to $2 million8.8%51
- Over $2 million5.5%32
Loan terms
- 5 years or less8.1%47
- Over 5 to 10 years67.0%388
- Over 10 to 20 years10.9%63
- Over 20 years14.0%81
Age of the businesses
- Existing, more than 2 years old34.9%202
- New business, 2 years or less14.0%81
- Startup, loan funds will open the business31.8%184
- Change of ownership19.3%112
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 364 | 62.9% | |
| 2 | SBA Express Program | 183 | 31.6% | |
| 3 | 7a General | 18 | 3.1% | |
| 4 | Working Capital CAPLine | 8 | 1.4% | |
| 5 | 7a with EWCP | 2 | 0.3% | |
| 6 | Contract CAPLine | 1 | 0.2% |
Franchise share
60 of 579 approvals in FY2021–FY2025 (10.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Section 37 Axe Room | 4 | 0.7% | |
| 2 | Lexar Homes | 2 | 0.3% | |
| 3 | Do it Best | 2 | 0.3% | |
| 4 | D-Bat | 2 | 0.3% | |
| 5 | Coit | 2 | 0.3% | |
| 6 | ServiceMaster | 2 | 0.3% | |
| 7 | Mr. Rooter Plumbing | 2 | 0.3% | |
| 8 | College Hunks Hauling Junk, College Hunks Moving, College Hunks Hauling Junk & Moving | 2 | 0.3% |
Questions and answers
How many SBA loans does Glacier Bank make?
SBA approved 88 7(a) loans through Glacier Bank in FY2025, worth $42.1M, and 579 over FY2021 to FY2025. That ranks 66th of 2,184 active 7(a) lenders by number of approvals.
How large are Glacier Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $220K and the average $520K. The program-wide median was $190K.
What is Glacier Bank's charge-off rate?
Of 2,713 disbursed loans approved in FY2010 to FY2021, SBA records 80 as charged off (2.9%), 2,375 as paid in full and 258 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 Glacier Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (65); automotive repair and maintenance (25); offices of other health practitioners (25); services to buildings and dwellings (19).
Where does Glacier Bank make SBA loans?
In 14 states and territories. Idaho 268, Montana 118, Washington 63, Texas 52, Colorado 29. In Idaho it accounts for 9.7% of all 7(a) approvals.
Is Glacier Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 276, against 434 in the three before: falling (-36%).
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