US Lender MetricsSBA Market Report

SBA Market Intelligence Report

Glacier Bank

Bank · Kalispell, MT · SBA data through June 2026

#104nationally by SBA loan count, of 1,409 active lenders

318SBA loans since October 2022 ($151.8M)

-28%loans in the last 12 months vs the 12 before (63 vs 87)

5.3%share of Idaho SBA loans (#6)

Executive briefing

$0estimated yearly revenue lost to competitors where your share fell

$3.2Mestimated yearly revenue available in your best growth markets

6growth markets identified

4competitors gaining in your top counties

Your top moves

Expand into Dallas County, TX ($1.8M/yr at a 10% share): 506 SBA loans last year, 24 miles from your Tarrant County business, and you have made none there.

Where you're losing share

Your share held or grew in every state where you made at least 5 loans last year. The threats and growth sections below show where to press.

Where to grow next

Counties within 75 miles of your lending footprint where you have made no SBA loans since October 2022, ranked by SBA demand, growth and how open the field is. Value assumes you win a 10% share.

Dallas County, TX$1.8M/yr at 10% share

506 SBA loans in the last 12 months (down 33%), about $361.3M in volume, from 187 lenders.
The leading lender holds 8% of loans, so the market is wide open. You have made no SBA loans there.
24 miles from Tarrant County, TX, where you made 3 loans.

Douglas County, CO$344K/yr at 10% share

117 SBA loans in the last 12 months (down 38%), about $68.8M in volume, from 91 lenders.
The leading lender holds 6% of loans, so the market is wide open. You have made no SBA loans there.
9 miles from Arapahoe County, CO, where you made 5 loans.

El Paso County, CO$656K/yr at 10% share

223 SBA loans in the last 12 months (down 23%), about $131.2M in volume, from 102 lenders.
The leading lender holds 12% of loans, so the market is wide open. You have made no SBA loans there.
51 miles from Arapahoe County, CO, where you made 5 loans.
It is outperforming Colorado as a whole (-23% vs -30% statewide).

Galveston County, TX$196K/yr at 10% share

55 SBA loans in the last 12 months (down 4%), about $39.3M in volume, from 63 lenders.
The leading lender holds 13% of loans, so the market is wide open. You have made no SBA loans there.
33 miles from Harris County, TX, where you made 3 loans.
It is outperforming Texas as a whole (-4% vs -26% statewide).

Brazoria County, TX$218K/yr at 10% share

61 SBA loans in the last 12 months (down 22%), about $43.6M in volume, from 78 lenders.
The leading lender holds 15% of loans, so the market is wide open. You have made no SBA loans there.
27 miles from Harris County, TX, where you made 3 loans.

Tooele County, UT$82K/yr at 10% share

28 SBA loans in the last 12 months (up 47%), about $16.3M in volume, from 29 lenders.
The leading lender holds 14% of loans, so the market is wide open. You have made no SBA loans there.
23 miles from Salt Lake County, UT, where you made 4 loans.
It is outperforming Utah as a whole (47% vs -16% statewide).

Competitive threats

RiverBank+34 loans in your counties

Added 34 SBA loans year over year across your top counties, mostly in Spokane.
Typical rate 9.38%, 56% approved under Preferred Lender authority, median loan $235K.

WaFd Bank+16 loans in your counties

Added 16 SBA loans year over year across your top counties, mostly in Ada.
Typical rate 11.50%, 4% approved under Preferred Lender authority, median loan $30K.

Live Oak Banking+15 loans in your counties

Added 15 SBA loans year over year across your top counties, mostly in Kootenai, Ada, Spokane.
Typical rate 9.24%, 84% approved under Preferred Lender authority, median loan $634K.

Capital Matrix+13 loans in your counties

Added 13 SBA loans year over year across your top counties, mostly in Ada, Spokane.

Strongholds to defend

Lewis And Clark County, MT: you rank #1$144K/yr slipping

Your share fell 21.7 pts last year (9 loans to 4 as the county made 23). Bravera Bank leads the rest of the field with 12%.

Dollar figures are estimates: loan counts from SBA records (exact) times the state's average SBA loan size times 5% first-year revenue per dollar lent (premium on selling the guaranteed portion plus fees). Substitute your own revenue rate; the loan counts don't change.

The data behind the briefing

Your SBA volume by year

SBA loans approved per federal fiscal year (October to September). The latest year runs through June 2026.

Market share by state

Share of all SBA 7(a) and 504 loans in each state since October 2022. Change compares the last 12 months with the 12 before.

State	Loans	Volume	Share	Rank	Share change	Leader (excl. you)	Leader share
Idaho	143	$37.2M	5.3%	#6 of 121	−0.1 pts	Zions Bank, A Division of	15.2%
Montana	64	$25.8M	7.0%	#1 of 98	−0.1 pts	U.S. Bank	6.9%
Washington	37	$20.5M	0.5%	#39 of 175	−0.2 pts	Columbia Bank	11.2%
Texas	26	$20.7M	0.1%	#102 of 366	+0.0 pts	Huntington National Bank	9.4%
Colorado	19	$21.8M	0.3%	#53 of 217	−0.2 pts	Huntington National Bank	13.6%
Utah	12	$10.9M	0.2%	#43 of 146	−0.2 pts	Zions Bank, A Division of	14.0%
Wyoming	8	$9.5M	1.7%	#16 of 72	−0.4 pts	Mountain West Small Business Finance	10.9%
Arizona	6	$2.9M	0.1%	#89 of 199	+0.4 pts	Mortgage Capital Development	7.7%
Alabama	1	$1.5M	0.0%	#134 of 155	+0.0 pts	Newtek Bank	9.3%
Indiana	1	$50K	0.0%	#157 of 182	+0.0 pts	Huntington National Bank	20.8%
Ohio	1	$990K	0.0%	#190 of 203	+0.0 pts	Huntington National Bank	54.2%

Your competitors in Idaho, Montana and Washington

The lenders making the most SBA loans in your core markets. Your share there: 2.2%.

Lender	Type	Loans	Share	Share change	Median loan	Typical rate	Preferred Lender
Columbia Bank	Bank	988	9.1%	+1.6 pts	$50K	12.50%	9%
U.S. Bank	Bank	852	7.8%	+0.2 pts	$44K	9.49%	20%
KeyBank	Bank	509	4.7%	−0.6 pts	$50K	10.00%	27%
Banner Bank	Bank	480	4.4%	−1.1 pts	$100K	8.75%	11%
Zions Bank, A Division of	Bank	418	3.9%	−0.2 pts	$114K	10.00%	60%
Northeast Bank	Bank	389	3.6%	−3.5 pts	$126K	10.25%	100%
Readycap Lending	Non-bank SBA lender	335	3.1%	−2.1 pts	$104K	13.25%	99%
Newtek Bank	Bank	332	3.1%	+0.3 pts	$200K	10.50%	81%
Washington Trust Bank	Bank	317	2.9%	−1.3 pts	$246K	8.50%	56%
Huntington National Bank	Bank	291	2.7%	+0.0 pts	$100K	9.75%	52%
Idaho Central CU	Credit union	259	2.4%	+0.5 pts	$250K	9.75%	72%
BayFirst National Bank	Bank	250	2.3%	−2.2 pts	$150K	12.25%	100%

Gaining share fastest: WaFd Bank (+3.4 pts), RiverBank (+1.8 pts), Columbia Bank (+1.6 pts), CenTrust Bank, A Division of SmartBiz Bank (+1.2 pts), Capital Matrix (+1.1 pts).

New to your markets in the last 12 months: WaFd Bank (68 loans in WA), WaFd Bank (30 loans in ID), Lexicon Bank (10 loans in ID), Zions Bank, A Division of (6 loans in WA).

Your top counties

Counties where you made the most SBA loans since October 2022, with your share and rank there.

County	Your loans	All SBA loans	Share	Rank	Share change	Leader (excl. you)
Kootenai, ID	38	266	14.3%	#1 of 50	+2.4 pts	Idaho Central CU (8%)
Bonner, ID	36	103	35.0%	#1 of 17	−5.0 pts	Columbia Bank (33%)
Ada, ID	25	894	2.8%	#10 of 81	+0.5 pts	Idaho Central CU (13%)
Spokane, WA	22	508	4.3%	#8 of 65	−0.7 pts	RiverBank (12%)
Yellowstone, MT	18	178	10.1%	#3 of 38	−1.6 pts	Yellowstone Bank (12%)
Boundary, ID	16	22	72.7%	#1 of 4	−83.3 pts	Idaho Central CU (14%)
Lewis And Clark, MT	15	66	22.7%	#1 of 23	−21.7 pts	Bravera Bank (12%)
Flathead, MT	13	129	10.1%	#1 of 32	−2.8 pts	Capital Matrix (9%)
Bonneville, ID	8	222	3.6%	#8 of 34	−4.8 pts	Zions Bank, A Division of (32%)
Chaffee, CO	6	29	20.7%	#1 of 17	+16.7 pts	B:Side Capital (10%)
Arapahoe, CO	5	930	0.5%	#34 of 102	−1.1 pts	Huntington National Bank (17%)
Gallatin, MT	5	173	2.9%	#14 of 46	+1.7 pts	Capital Matrix (12%)
Missoula, MT	5	82	6.1%	#8 of 32	+0.6 pts	U.S. Bank (9%)
Denver, CO	4	1,042	0.4%	#44 of 111	−1.1 pts	Huntington National Bank (16%)
Bannock, ID	4	107	3.7%	#10 of 29	+0.0 pts	Zions Bank, A Division of (27%)
Hopkins, TX	4	16	25.0%	#1 of 11	–	Harvest Small Business Finance (13%)
Salt Lake, UT	4	1,812	0.2%	#44 of 102	−0.3 pts	Mountain America FCU (12%)
Utah, UT	4	1,074	0.4%	#31 of 82	−0.3 pts	Central Bank (16%)
Benton, WA	4	181	2.2%	#14 of 42	−1.7 pts	HAPO Community CU (18%)
Yavapai, AZ	3	201	1.5%	#14 of 56	+3.3 pts	Zions Bank, A Division of (14%)

Open territory

Counties within 75 miles of where you lend, with real SBA demand, where you have made no loans since October 2022.

County	SBA loans, last 12 mo	Lenders active	Nearest county you lend in	Leader	Leader share
Dallas, TX	506	187	Tarrant, TX (24 mi)	Huntington National Bank	8%
Douglas, CO	117	91	Arapahoe, CO (9 mi)	Newtek Bank	6%
El Paso, CO	223	102	Arapahoe, CO (51 mi)	Newtek Bank	12%
Galveston, TX	55	63	Harris, TX (33 mi)	Northeast Bank	13%
Brazoria, TX	61	78	Harris, TX (27 mi)	Zions Bank, A Division of	15%
Tooele, UT	28	29	Salt Lake, UT (23 mi)	Zions Bank, A Division of	14%
Wasatch, UT	25	23	Utah, UT (21 mi)	Mountain West Small Business Finance	12%
Waller, TX	23	32	Harris, TX (30 mi)	Newtek Bank	9%
Larimer, CO	107	78	Denver, CO (53 mi)	B:Side Capital	18%
Davis, UT	97	57	Salt Lake, UT (27 mi)	Zions Bank, A Division of	13%
Kaufman, TX	35	50	Tarrant, TX (45 mi)	Newtek Bank	14%
Weber, UT	82	49	Salt Lake, UT (40 mi)	Zions Bank, A Division of	18%
Johnson, TX	37	49	Tarrant, TX (24 mi)	Newtek Bank	19%
Ellis, TX	33	65	Tarrant, TX (36 mi)	Newtek Bank	9%
Parker, TX	37	44	Tarrant, TX (27 mi)	Huntington National Bank	16%

Your pricing against the market

Median initial rate on 7(a) loans approved since October 2024, by loan size. Percentile: share of SBA lenders pricing below you (lower = cheaper).

Loan size	Your mix	Your rate	Idaho	All US	Percentile
Under $150,000	43%	9.00%	10.99%	10.50%	33%
$150,000 to $500,000	29%	8.50%	9.50%	10.00%	22%
$500,000 to $2 million	22%	8.00%	9.00%	9.25%	13%
$2 million and up	6%	7.38%	8.50%	8.75%	9%

Industry mix in Idaho

Your share of loans by industry against the whole Idaho SBA market. Big industries where you index low are the easiest growth.

Industry	Market share of loans	Your share	Your loans	Index
Construction	19.4%	21.0%	30	108
Health care and social assistance	11.4%	9.1%	13	80
Retail	10.4%	13.3%	19	127
Restaurants and hotels	9.8%	13.3%	19	135
Other services (repair, personal care)	9.4%	8.4%	12	90
Manufacturing	7.2%	9.8%	14	136
Professional and technical services	7.0%	7.7%	11	109
Administrative and support services	6.0%	4.9%	7	81
Transportation and warehousing	3.8%	5.6%	8	147
Arts, entertainment and recreation	3.8%	1.4%	2	37
Real estate and rental	2.8%	1.4%	2	49
Wholesale trade	2.7%	2.1%	3	78

Program profile

49%to startups and businesses under 2 years (all lenders 31%)

17%change-of-ownership loans (all lenders 9%)

59%approved under Preferred Lender authority

36%SBA Express

$180Kmedian loan

78%variable-rate share (7(a), since October 2024)

3.4%charge-off rate, 2010-19 loans now closed (median lender 4.6%)

11states lent in since October 2022

About this report

Built from every SBA 7(a) and 504 loan approval in the U.S. Small Business Administration's public loan records through June 2026. Market share counts loans by the borrower's project location. Rates are initial rates as reported to the SBA. Your access includes each quarterly refresh for 12 months; this page updates automatically when new SBA data is released.

Questions or custom cuts (a specific county, industry or competitor set)? Email [email protected].