Lenders › The Bank of Commerce
7(a) lenderIdaho Falls, IdahoFDIC-insured bank393rd of 2,184 by approvals
The Bank of Commerce
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.
The Bank of Commerce (Idaho Falls, Idaho) is an FDIC-insured bank in the SBA 7(a) program, 393rd of 2,184 by approvals in FY2021 to FY2025: 76 loans worth $17.8M.
In FY2025, the latest complete fiscal year, it had 18 approvals totalling $3.4M, down 22% on FY2024 (23). FY2026 to 30 Jun 2026 adds 4 more.
The median approval was $145K, against $190K for the 7(a) program as a whole; 51.3% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 17 counties, led by Idaho (89.5%), Utah (9.2%) and Arizona (1.3%). The largest industry group was other services (except public administration) at 14.5% of approvals, and 11.8% of approvals were to franchise businesses.
Of 56 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (3.6%), 47 as paid in full and 7 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* | 4 | $506K | $101K | $126K | 12 |
| FY2025 | 18 | $3.4M | $131K | $187K | 183 |
| FY2024 | 23 | $5.2M | $216K | $227K | 212 |
| FY2023 | 9 | $5.0M | $86K | $557K | 88 |
| FY2022 | 19 | $3.1M | $112K | $163K | 150 |
| FY2021 | 7 | $1.1M | $165K | $155K | 54 |
| FY2020 | 7 | $1.9M | $250K | $270K | 77 |
| FY2019 | 4 | $2.8M | $574K | $711K | 123 |
| FY2018 | 11 | $2.6M | $90K | $238K | 279 |
| FY2017 | 6 | $1.6M | $79K | $274K | 43 |
| FY2016 | 7 | $1.3M | $150K | $192K | 134 |
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 35 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 | 65 | 6,024 | 639,905 |
| Cancelled or never disbursed | 9 | 711 | 79,313 |
| Disbursed loans | 56 | 5,313 | 560,592 |
| Paid in full | 47 | 4,503 | 435,813 |
| Charged off | 2 | 192 | 36,891 |
| Still outstanding (status exempt from disclosure) | 7 | 618 | 87,888 |
| Charged off, share of disbursed loans | 3.6% | 3.6% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.1% | 1.5% | 2.5% |
| Dollars charged off | $209K | $24.0M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 6 | 3 | 0 | — | 2.8% |
| FY2020 | 6 | 4 | 0 | — | 4.0% |
| FY2019 | 3 | 2 | 0 | — | 6.7% |
| FY2018 | 9 | 8 | 1 | — | 7.9% |
| FY2017 | 5 | 5 | 0 | — | 7.7% |
| FY2016 | 6 | 4 | 1 | — | 7.2% |
| FY2015 | 3 | 3 | 0 | — | 6.9% |
| FY2014 | 0 | 0 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 6 | 6 | 0 | — | 6.3% |
| FY2011 | 9 | 9 | 0 | — | 6.9% |
| FY2010 | 3 | 3 | 0 | — | 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 | $145K | $190K |
| Average approval | $234K | $518K |
| Approvals of $150,000 or less | 51.3% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 47.4% | 34.3% |
| Approvals to franchise businesses | 11.8% | 11.5% |
| Jobs supported per approval, as reported | 9.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.6% | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Idaho | 68 | $15.6M | 89.5% | |
| 2 | Utah | 7 | $1.7M | 9.2% | |
| 3 | Arizona | 1 | — | 1.3% |
In Idaho the lender accounts for 2.5% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (17 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Bonneville County, ID | 23 | $4.4M | 30.3% | |
| 2 | Jefferson County, ID | 11 | $2.4M | 14.5% | |
| 3 | Bingham County, ID | 9 | $1.6M | 11.8% | |
| 4 | Madison County, ID | 8 | $686K | 10.5% | |
| 5 | Cache County, UT | 4 | $793K | 5.3% | |
| 6 | Fremont County, ID | 4 | $403K | 5.3% | |
| 7 | Bannock County, ID | 3 | $510K | 3.9% | |
| 8 | Ada County, ID | 2 | — | 2.6% | |
| 9 | Salt Lake County, UT | 2 | — | 2.6% | |
| 10 | Franklin County, ID | 2 | — | 2.6% | |
| 11 | Twin Falls County, ID | 2 | — | 2.6% | |
| 12 | Maricopa County, AZ | 1 | — | 1.3% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 11 | 14.5% | |
| 2 | Transportation and Warehousing | 10 | 13.2% | |
| 3 | Construction | 8 | 10.5% | |
| 4 | Agriculture, Forestry, Fishing and Hunting | 8 | 10.5% | |
| 5 | Accommodation and Food Services | 7 | 9.2% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 7 | 9.2% | |
| 7 | Manufacturing | 7 | 9.2% | |
| 8 | Professional, Scientific, and Technical Services | 6 | 7.9% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 8 | 10.5% | |
| 2 | Personal Care ServicesNAICS 8121 | 5 | 6.6% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 5.3% | |
| 4 | Sugar and Confectionery Product ManufacturingNAICS 3113 | 4 | 5.3% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 3.9% | |
| 6 | Building Finishing ContractorsNAICS 2383 | 3 | 3.9% | |
| 7 | Remediation and Other Waste Management ServicesNAICS 5629 | 3 | 3.9% | |
| 8 | Couriers and Express Delivery ServicesNAICS 4921 | 2 | 2.6% | |
| 9 | Other Support ServicesNAICS 5619 | 2 | 2.6% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 2 | 2.6% |
Approval sizes
- $50,000 or less26.3%20
- $50,001 to $150,00025.0%19
- $150,001 to $350,00031.6%24
- $350,001 to $1 million15.8%12
- Over $2 million1.3%1
Loan terms
- 5 years or less28.9%22
- Over 5 to 10 years71.1%54
Age of the businesses
- Existing, more than 2 years old38.2%29
- New business, 2 years or less27.6%21
- Startup, loan funds will open the business19.7%15
- Change of ownership14.5%11
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 62 | 81.6% | |
| 2 | 7a General | 13 | 17.1% | |
| 3 | Working Capital CAPLine | 1 | 1.3% |
Franchise share
9 of 76 approvals in FY2021–FY2025 (11.8%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Plunj | 2 | 2.6% | |
| 2 | Great Clips | 1 | 1.3% | |
| 3 | Crumbl | 1 | 1.3% | |
| 4 | Stella's Ice Cream | 1 | 1.3% | |
| 5 | CertaPro Painters | 1 | 1.3% | |
| 6 | everbowl | 1 | 1.3% | |
| 7 | Karie Anne's Frozen Desserts | 1 | 1.3% | |
| 8 | Ace Hardware | 1 | 1.3% |
Questions and answers
How many SBA loans does The Bank of Commerce make?
SBA approved 18 7(a) loans through The Bank of Commerce in FY2025, worth $3.4M, and 76 over FY2021 to FY2025. That ranks 393rd of 2,184 active 7(a) lenders by number of approvals.
How large are The Bank of Commerce's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $145K and the average $234K. The program-wide median was $190K.
What is The Bank of Commerce's charge-off rate?
Of 56 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (3.6%), 47 as paid in full and 7 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 The Bank of Commerce lend to most?
By number of approvals in FY2021 to FY2025: general freight trucking (8); personal care services (5); restaurants and other eating places (4); sugar and confectionery product manufacturing (4).
Where does The Bank of Commerce make SBA loans?
In 3 states and territories. Idaho 68, Utah 7, Arizona 1. In Idaho it accounts for 2.5% of all 7(a) approvals.
Is The Bank of Commerce's SBA lending rising?
Approvals in the three latest complete fiscal years total 50, against 33 in the three before: rising (+52%).
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