The catalogue › United States › Mountain West

The regional note · prepared 8 September 2026

Mountain West

191 banks and 212 credit unions read from their latest filings, every state in the Mountain West ranked against the others and the largest institutions against each other.

Small-business lending ↓

The states Montana · Idaho · Wyoming · Colorado · Utah · Nevada

Banks

191 banks filing across 6 states · read from the 30 June 2026 Call Report

191

banks filing

$1.57T in assets

+10.0%

Loans, year over year

on the banks filing at both dates

8.8%

CRE / loans

in aggregate

80%

Loans / deposits

in aggregate

0.78%

Noncurrent / loans

-13 bps on a year earlier

10.4%

Equity / assets

in aggregate

The Mountain West's 191 banks hold $1.57T in assets at 30 June 2026, across 6 states. Morgan Stanley Bank N.A. is the largest at $419B, and the five largest hold 68% of the total; 38 institutions are above $1B, holding $664B. Utah holds the most, $1.37T.

Loans grew +10.0% in the year on the banks filing at both dates, fastest in Nevada at +20.5% and slowest in Montana at +2.6%. Noncurrent loans are 0.78% of the book, down 13 basis points on a year earlier; the rate rose in 2 states and fell in 4, rising most in Idaho (+53 bps) and highest outright in Idaho at 0.98%.

By category, 1-4 family residential loans went late the most, the noncurrent rate -7 bps to 0.49%, then auto (-10 bps to 1.12%); commercial & industrial improved the most, -44 bps. Commercial real estate is 8.8% of loans in aggregate, heaviest in Montana at 40.5%; the banks lend 80% of their deposits, and equity is 10.4% of assets.

The largest banks, by size

the twenty largest in each band headquartered in the Mountain West; each has its own read in the catalogue

Under $1B: the 20 largest of 132banks headquartered in the Mountain West, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	First Northern Bank of Wyoming	WY	$983M	+21.9%	21.9%	74%	0.54%	1.15%	7.0%
2	Finwise Bank	UT	$915M	+10.0%	9.6%	102%	5.11%	1.47%	17.9%
3	Thrivent Bank	UT	$906M	+3.6%	24.2%	105%	0.26%	-1.44%	36.7%
4	Points West Community Bank	CO	$878M	-1.2%	27.0%	61%	0.06%	1.40%	7.9%
5	First Utah Bank	UT	$840M	-4.3%	39.3%	92%	6.39%	0.74%	10.2%
6	Timberline Bank	CO	$833M	+6.4%	23.6%	93%	0.06%	2.14%	8.2%
7	PB & Trust Bank	CO	$815M	+18.9%	48.5%	85%	0.54%	2.25%	10.7%
8	Platte Valley Bank	WY	$809M	+2.6%	20.7%	97%	0.40%	1.94%	9.6%
9	Bank of Bridger N.A.	MT	$803M	+5.0%	8.9%	53%	0.47%	0.90%	8.5%
10	Pitney Bowes Bank Inc	UT	$796M	+6.9%	0.5%	70%	0.44%	5.35%	9.7%
11	Farmers State Bank	MT	$790M	+10.9%	32.7%	79%	0.68%	0.95%	6.8%
12	Eaglemark Savings Bank	NV	$756M	+0.9%	0.0%	132%	0.00%	4.55%	23.2%
13	Amg National Trust Bank	CO	$723M	-0.7%	63.3%	47%	0.04%	2.42%	17.1%
14	Eastern Colorado Bank	CO	$721M	-5.9%	34.0%	75%	0.00%	1.13%	11.3%
15	Yampa Valley Bank	CO	$688M	+4.3%	40.9%	88%	0.09%	2.26%	8.5%
16	Farmers Bank	ID	$678M	+11.5%	13.1%	77%	0.59%	1.62%	15.4%
17	First Southwest Bank	CO	$657M	+8.7%	36.8%	70%	0.04%	0.60%	13.3%
18	First National Bank of Gillette	WY	$652M	+0.6%	19.6%	29%	0.72%	1.53%	12.2%
19	Stockmens Bank	CO	$651M	+23.0%	12.5%	98%	0.18%	1.49%	10.6%
20	High Plains Bank	CO	$643M	+27.3%	24.5%	82%	0.70%	1.88%	10.1%

$1B to $3B: the 20 largest of 29banks headquartered in the Mountain West, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Nelnet Bank	UT	$3.00B	+99.9%	2.3%	66%	2.17%	1.08%	15.5%
2	Webbank	UT	$2.86B	+34.6%	0.2%	107%	0.51%	4.80%	16.7%
3	Anb Bank	CO	$2.85B	-5.5%	27.2%	69%	0.37%	0.87%	7.1%
4	Medallion Bank	UT	$2.83B	+12.9%	0.0%	116%	0.45%	2.16%	15.9%
5	State Bank of Southern Utah	UT	$2.74B	+4.6%	52.0%	80%	0.47%	1.73%	11.4%
6	Credit One Bank N.A.	NV	$2.44B	+41.1%	0.0%	137%	3.19%	23.94%	27.1%
7	Bank of Commerce	ID	$2.34B	+15.3%	39.9%	91%	1.35%	2.09%	14.8%
8	Colorado FSB	CO	$2.31B	+3.1%	29.3%	103%	0.50%	0.40%	11.3%
9	Central Bank	UT	$2.16B	+0.7%	44.9%	77%	0.47%	2.03%	14.8%
10	Opportunity Bank of Montana	MT	$2.12B	-0.6%	40.6%	87%	0.26%	0.85%	11.7%
11	Square Finl Services Inc	UT	$2.06B	+124.1%	0.0%	249%	0.67%	33.75%	65.8%
12	Column National Association	UT	$1.77B	+70.4%	22.3%	23%	0.06%	4.99%	9.9%
13	Transportation Alliance Bank D	UT	$1.59B	-4.4%	24.0%	91%	1.79%	1.05%	11.3%
14	Quill Bank	UT	$1.56B	+31.3%	25.5%	97%	2.54%	5.20%	14.1%
15	Solera National Bank	CO	$1.55B	+19.2%	35.9%	70%	1.45%	1.57%	7.7%
16	Northwest Bank	ID	$1.45B	-6.2%	48.2%	78%	3.79%	1.47%	16.1%
17	Gbank	NV	$1.43B	+19.8%	83.2%	90%	4.96%	1.28%	13.0%
18	First FSB of Twin Falls	ID	$1.42B	+0.6%	28.0%	86%	0.01%	1.28%	9.7%
19	Independence Bank	MT	$1.39B	+11.4%	9.3%	92%	0.46%	1.90%	12.1%
20	Idaho First Bank	ID	$1.36B	+48.8%	27.7%	78%	0.05%	0.86%	10.5%

$3B to $10B: the 12 largest of 12banks headquartered in the Mountain West, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Merrick Bank	UT	$9.13B	+1.5%	0.0%	117%	3.52%	2.53%	17.6%
2	Wells Fargo National Bank West	NV	$8.77B	-11.1%	0.0%	68%	0.97%	0.99%	19.2%
3	Stockman Bank of Montana	MT	$7.75B	+8.9%	55.8%	84%	0.60%	1.90%	9.7%
4	Bank of Colorado	CO	$7.61B	+8.7%	47.0%	81%	0.10%	1.35%	10.2%
5	Alpine Bank	CO	$6.69B	+6.2%	34.0%	76%	0.31%	1.30%	10.8%
6	Green Dot Bank dba Bonneville	UT	$5.44B	-8.0%	17.5%	1%	3.56%	1.54%	5.8%
7	Celtic Bank	UT	$5.33B	+37.6%	2.2%	117%	3.63%	3.35%	17.4%
8	Sunwest Bank	UT	$4.41B	+14.8%	43.3%	104%	0.60%	1.61%	9.3%
9	Bank of Utah	UT	$3.79B	+4.3%	45.5%	100%	0.15%	1.32%	12.3%
10	D L Evans Bank	ID	$3.70B	+7.0%	27.6%	57%	0.26%	1.34%	9.3%
11	Cache Valley Bank	UT	$3.49B	+6.5%	43.1%	88%	0.29%	2.01%	10.5%
12	First Western Trust Bank	CO	$3.24B	+6.7%	35.1%	96%	0.60%	0.84%	9.8%

$10B to $20B: the 7 largest of 7banks headquartered in the Mountain West, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Toyota Financial Savings Bank	NV	$16.79B	+59.4%	10.9%	65%	0.20%	0.39%	10.2%
2	Comenity Capital Bank	UT	$13.86B	+8.3%	0.0%	107%	3.21%	1.65%	13.0%
3	BMW Bank of North America	UT	$13.80B	+8.6%	0.2%	107%	0.09%	2.24%	12.8%
4	NBH Bank	CO	$12.54B	+30.5%	29.3%	93%	0.60%	1.03%	13.3%
5	Happen Bank National Association	UT	$12.48B	+16.9%	3.3%	65%	0.82%	1.79%	11.5%
6	Beal Bank USA	NV	$11.05B	+10.8%	43.0%	239%	0.78%	8.92%	23.9%
7	Wex Bank	UT	$10.71B	+16.0%	0.2%	55%	0.44%	4.03%	8.0%

Over $20B: the 11 largest of 11banks headquartered in the Mountain West, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Morgan Stanley Bank N.A.	UT	$419.32B	+20.7%	8.0%	41%	0.47%	1.40%	9.7%
2	American Express National Bank	UT	$213.95B	+7.2%	0.0%	100%	0.63%	3.65%	9.0%
3	Ally Bank	UT	$188.18B	+8.0%	2.4%	92%	0.85%	1.19%	8.3%
4	UBS Bank USA National Association	UT	$124.44B	+6.9%	1.6%	85%	0.12%	1.08%	7.6%
5	Synchrony Bank	UT	$115.22B	+2.7%	0.0%	115%	2.04%	2.83%	12.9%
6	Zions Bcorp N A	UT	$89.04B	+2.5%	24.1%	82%	0.47%	1.51%	8.6%
7	Sofi Bank National Association	UT	$56.82B	+54.1%	0.3%	100%	0.08%	1.89%	12.8%
8	Glacier Bank	MT	$31.58B	+15.2%	41.7%	86%	0.42%	1.20%	13.7%
9	Sallie Mae Bank	UT	$28.54B	-7.0%	0.0%	104%	0.65%	2.79%	10.2%
10	First Interstate Bank	MT	$25.79B	-14.4%	41.3%	66%	1.12%	1.21%	12.6%
11	Optum Bank Inc	UT	$21.43B	+25.3%	63.9%	60%	0.21%	2.48%	14.8%

Noncurrent loans, share of loans, by stateevery bank in the state summed, 30 June 2026; 90 days or more past due and still accruing, plus nonaccrual, over loans; darker is higher

Idaho carries the highest rate at 0.98%, then Nevada at 0.96%; Colorado the lowest at 0.49%. The Mountain West in aggregate sits at 0.78%.

Where noncurrent loans rose, and where they fellthe change in the rate on 30 June 2025, in basis points; amber rose, navy fell

The rate rose in 2 of 6 states and fell in 4. It rose most in Idaho (+53 bps) and Montana (+5 bps), and fell most in Nevada (-160 bps).

Where borrowers are going late, by loan categorythe noncurrent rate on each category a year ago and now, every bank in the Mountain West summed; the widest rise first; from Schedule RC-N as FDIC serves it; a small category moves on a few loans

1-4 family residential loans deteriorated the most, -7 bps to 0.49% noncurrent; auto -10 bps to 1.12%. 7 of the 11 categories improved. The highest rate outright among the categories that matter to the book is credit card at 1.51%.

The delinquency ladder by categoryeach category's balance and the share of it 30 to 89 days past due, 90 days or more and still accruing, and on nonaccrual; noncurrent is the last two together, with its change on a year earlier

Category	Balance	30 to 89	90+	Nonaccrual	Noncurrent	YoY
Construction & land	$17.2B	0.31%	0.02%	0.40%	0.42%	+11 bps
Multifamily	$13.4B	0.10%	0.00%	0.14%	0.14%	-4 bps
Nonfarm nonresidential	$89.0B	0.24%	0.01%	1.11%	1.13%	-14 bps
1-4 family residential	$102B	0.28%	0.02%	0.47%	0.49%	-7 bps
Home equity lines	$9.1B	0.41%	0.03%	0.66%	0.69%	+8 bps
Commercial & industrial	$139B	0.61%	0.17%	0.53%	0.70%	-44 bps
Consumer	$422B	1.82%	0.76%	0.38%	1.14%	-11 bps
Credit card	$225B	1.43%	1.33%	0.18%	1.51%	-11 bps
Auto	$96.3B	3.54%	0.00%	1.12%	1.12%	-10 bps
Agricultural production	$4.2B	0.00%	0.00%	0.00%	0.00%	+0 bps
Farmland	$6.1B	0.51%	0.27%	1.11%	1.38%	+30 bps
All loans and leases	$966B	0.95%	0.37%	0.42%	0.78%	-13 bps

The noncurrent rate by category since 2008each category's noncurrent share of its own balance, quarterly, every bank in the Mountain West summed; bold, the category rising most this year

1-4 family residential peaked at 9.3% in 2009 and stands at 0.49% now, 5% of that peak. The scale of the last cycle is the point of the chart: every category's rate today sits against where it went then.

Loans, year over year, by state30 June 2026 against a year earlier on the banks filing at both dates; no better direction

Nevada grew fastest at +20.5%, 74% of the added loans in one institution, Toyota Financial Savings Bank, whose book went from $5.8B to $9.3B in the year; 5 states grew faster than 5% and 0 shrank, Montana the most at +2.6%.

Commercial real estate, share of loans, by stateconstruction, multifamily and non-owner-occupied nonresidential over loans, every bank in the state summed, 30 June 2026

Montana is the most CRE-weighted at 40.5% of loans, then Idaho at 32.2%; 3 states sit above 30%, against 8.8% in aggregate.

Early delinquency: 30 to 89 days past due, by stateloans 30 to 89 days past due and still accruing, over loans, every bank in the state summed, 30 June 2026; the leading edge of the ladder

Utah has the most loans in the early bucket at 1.03%; the aggregate is 0.95%. Loans here are a quarter or two ahead of the noncurrent figure above, which is why the two maps are read together.

What the Mountain West' banks lendthe loan book of every bank summed by category as filed, 30 June 2026

Credit card is the largest category at 23.3% of $966B in loans, then Other loans and leases (nondepository financials, foreign, leases) at 17.1% and Commercial & industrial at 14.4%.

Who holds the Mountain West' bank assetseach institution's share of the $1.57T the region's 191 hold; the largest first, amber in the catalogue

Morgan Stanley Bank N.A. holds 26.7% of the total; the five largest hold 68%, and 38 of the 191 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

68% of the assets sit in 2.6% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: banks filing since 2008the count of banks filing each quarter from the Mountain West; assets at the ends in the read

412 banks filed in 2008 Q1 holding $2.18T; 191 file now holding $1.57T. 54% fewer charters hold -28% more in assets.

Noncurrent loans since 2008every bank in the Mountain West summed, quarterly

The rate peaked at 6.21% in 2009 and stands at 0.78%, 13% of that peak.

Loans, year over year: banks over $1B30 June 2026 against a year earlier; the fastest fifteen; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 37 · amber, in the catalogue

Column National Association (Utah) grew fastest at +70.4%; the median among banks over $1B is +6.7%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Commercial real estate, share of loans: banks over $1B30 June 2026; construction, multifamily and non-owner-occupied nonresidential; the fifteen heaviest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 37 · amber, in the catalogue

Gbank (Nevada) is the most CRE-weighted at 83.2% of loans; 3 of the 38 are above half the book.

Nonperforming loans, share of loans: banks over $1B30 June 2026; the fifteen highest, as each filed; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 37 · amber, in the catalogue

Gbank (Nevada) carries the highest rate at 4.96%; 4 of the 38 are above 2%, and the median is 0.47%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to deposits: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 37 · amber, in the catalogue

4 of the 38 lend more than they hold in deposits, Webbank (Utah) the furthest at 107%; the median is 82%.

Return on assets: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 38 · amber, in the catalogue

Quill Bank (Utah) earns the most at 5.20%; 1 of the 38 earn under 0.50%, and the median is 1.49%.

Every state, 30 June 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Banks	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	YoY	30 to 89 days	ROA, median	Equity / assets
Utah	45	$1.37T	+10.2%	5.2%	80%	0.80%	-12 bps	1.03%	1.86%	10.0%
Montana	35	$78.1B	+2.6%	40.5%	78%	0.70%	+5 bps	0.32%	1.43%	12.4%
Colorado	63	$56.6B	+11.0%	32.1%	84%	0.49%	-2 bps	0.36%	1.09%	11.0%
Nevada	14	$44.1B	+20.5%	18.1%	82%	0.96%	-160 bps	0.91%	1.27%	16.8%
Idaho	10	$12.0B	+9.8%	32.2%	74%	0.98%	+53 bps	0.24%	1.31%	11.9%
Wyoming	24	$10.8B	+8.1%	28.4%	66%	0.60%	-0 bps	0.32%	1.27%	9.5%

Five years, 2021 to 2026the 190 institutions filing at both dates; dollars as growth, ratios in points

	2021	2026	Change
Loans, in total	$618B	$965B	+56%
Deposits, in total	$813B	$1.21T	+49%
NPA / loans, median	0.33%	0.47%	+0.14 pts
Efficiency, median	58.2%	61.3%	+3.1 pts
ROA, median	1.41%	1.34%	-0.06 pts

Credit unions

212 credit unions filing across 6 states · read from the 31 March 2026 NCUA 5300

212

credit unions filing

$172B in assets

+14.0%

Loans, year over year

on the credit unions filing at both dates

15.4%

Member business loans / loans

in aggregate

88%

Loans / shares

in aggregate

0.78%

Delinquent / loans

-2 bps on a year earlier

10.5%

Net worth / assets

in aggregate

The Mountain West's 212 credit unions hold $172B in assets at 31 March 2026, across 6 states. America First is the largest at $24.7B, and the five largest hold 52% of the total; 28 institutions are above $1B, holding $142B. Utah holds the most, $68.2B.

Loans grew +14.0% in the year on the credit unions filing at both dates, fastest in Colorado at +27.9% and slowest in Wyoming at +3.8%. Delinquent loans are 0.78% of the book, down 2 basis points on a year earlier; the rate rose in 2 states and fell in 4, rising most in Utah (+8 bps) and highest outright in Nevada at 1.37%.

Member business loans are 15.4% of the book in aggregate, heaviest in Colorado at 16.9%. The credit unions lend 88% of their shares, and net worth is 10.5% of assets.

Delinquent loans, share of loans, by stateevery credit union in the state summed, 31 March 2026; loans 60 days or more past due, over loans; darker is higher

Nevada carries the highest rate at 1.37%, 77% of it one institution, Greater Nevada at 4.4% of its own book, then Wyoming at 1.02%; Montana the lowest at 0.46%. The Mountain West in aggregate sits at 0.78%.

Where delinquency rose, and where it fellthe change in the rate on 31 March 2025, in basis points; amber rose, navy fell

The rate rose in 2 of 6 states and fell in 4. It rose most in Utah (+8 bps) and Montana (+3 bps), and fell most in Nevada (-82 bps).

Loans, year over year, by state31 March 2026 against a year earlier on the credit unions filing at both dates; no better direction

Colorado grew fastest at +27.9%, 73% of the added loans in one institution, Ent, whose book went from $8.7B to $15.7B in the year; 4 states grew faster than 5% and 0 shrank, Wyoming the most at +3.8%.

Member business loans, share of loans, by stateevery credit union in the state summed, 31 March 2026

Colorado carries the most commercial lending at 16.9% of loans; the aggregate is 15.4%.

Who holds the Mountain West' credit union assetseach institution's share of the $172B the region's 212 hold; the largest first, amber in the catalogue

America First holds 14.3% of the total; the five largest hold 52%, and 28 of the 212 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

52% of the assets sit in 2.4% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: credit unions filing since 2022the count of credit unions filing each quarter from the Mountain West; assets at the ends in the read

245 credit unions filed in 2022 Q1 holding $124B; 212 file now holding $172B. 13% fewer charters hold 39% more in assets.

Delinquency since 2022every credit union in the Mountain West summed, quarterly

The rate peaked at 0.94% in 2024 and stands at 0.78%, 82% of that peak.

Loans, year over year: credit unions over $1B31 March 2026 against a year earlier; the fastest fifteen · the 15 highest of 28 · amber, in the catalogue

Meritrust (Colorado) grew fastest at +132.7%; the median among credit unions over $1B is +7.1%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Member business loans, share of loans: credit unions over $1B31 March 2026; the fifteen heaviest · the 15 highest of 28 · amber, in the catalogue

Westerra (Colorado) carries the most commercial lending at 36.9% of loans.

Delinquent loans, share of loans: credit unions over $1B31 March 2026; the fifteen highest, as each filed · the 15 highest of 28 · amber, in the catalogue

Greater Nevada (Nevada) carries the highest rate at 4.41%; 1 of the 28 are above 2%, and the median is 0.43%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to shares: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 28 · amber, in the catalogue

6 of the 28 lend more than they hold in shares, Capital Educators (Idaho) the furthest at 103%; the median is 92%.

Return on assets: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 28 · amber, in the catalogue

Goldenwest (Utah) earns the most at 1.56%; 8 of the 28 earn under 0.50%, and the median is 0.84%.

Every state, 31 March 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Filers	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquent	YoY	ROA, median	Net worth
Utah	52	$68.2B	+8.2%	15.6%	86%	0.97%	+8 bps	0.87%	10.6%
Colorado	62	$55.6B	+27.9%	16.9%	91%	0.62%	-1 bps	0.55%	10.7%
Idaho	26	$25.6B	+10.9%	15.4%	95%	0.51%	-1 bps	0.62%	8.8%
Nevada	13	$8.7B	+6.6%	14.6%	69%	1.37%	-82 bps	0.95%	10.9%
Montana	41	$8.2B	+4.9%	12.3%	76%	0.46%	+3 bps	0.78%	11.9%
Wyoming	18	$6.1B	+3.8%	4.8%	86%	1.02%	-8 bps	1.01%	10.8%

Small-business lending

SBA 7(a) approvals into the Mountain West since FY2008, across every lender type

$29.3B of 7(a) credit has been approved into the Mountain West since FY2008 across 74,779 loans. Accommodation & food services is the largest category at 15.3%, Retail trade at 13.4%, Health care & social assistance at 11.9%; the three together are 41% of the money. The heaviest losses fall in Transportation & warehousing, at 2.99% of approvals charged off.

7(a) lenders in the Mountain West, share of approvalssince FY2008, 635 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue

What the Mountain West' 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest

The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike

Industry	Approved	Loans	Share	Charged off	Loss rate
Accommodation & food services	$4.5B	7,985	15.3%	$72M	1.60%
Retail trade	$3.9B	9,697	13.4%	$80M	2.04%
Health care & social assistance	$3.5B	7,124	11.9%	$43M	1.23%
Construction	$3.1B	10,184	10.5%	$74M	2.39%
Manufacturing	$2.6B	5,720	8.9%	$40M	1.52%
Professional & technical services	$2.4B	7,952	8.2%	$49M	2.04%
Other services	$2.4B	6,783	8.1%	$38M	1.60%
Wholesale trade	$1.3B	3,060	4.3%	$32M	2.55%
Real estate & leasing	$1.2B	2,342	4.0%	$9M	0.74%
Administrative & waste services	$1.1B	4,071	3.9%	$24M	2.09%
Arts, entertainment & recreation	$969M	2,239	3.3%	$17M	1.79%
Transportation & warehousing	$775M	3,039	2.6%	$23M	2.99%

The largest state marketsapprovals since FY2008 and how many lenders have written there

State	Approved	Loans	Lenders
Colorado	$12.6B	26,375	401
Utah	$7.3B	22,110	235
Nevada	$3.9B	9,013	259
Idaho	$3.1B	10,230	192
Montana	$1.7B	5,088	172
Wyoming	$783M	1,963	160

The other regions Great Lakes · Mid-Atlantic · New England · Pacific · Plains · South Central · Southeast · Southwest

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Mountain West institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 8 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; Schedule RC-N past-due detail via the FDIC; SBA 7(a) release
Cohort every institution filing in the Mountain West

Computed from each institution's own filing as published; aggregates are dollar-weighted sums across the filers, medians unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.

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