SBA 7(a) lenders in Gem, ID
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
22 institutions have SBA 7(a) loans on record in Gem, together $15.6M across 84 loans. Newtek Bank, National Association is the largest, with 19% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 2 | $3.0M | 19.2% | 0.00% |
| 2 | U.S. Bank, National Association | 21 | $2.2M | 14.3% | 0.81% |
| 3 | Glacier Bank | 13 | $1.6M | 10.0% | 1.91% |
| 4 | Zions Bank, A Division of | 13 | $1.5M | 9.6% | 3.24% |
| 5 | First Interstate Bank | 5 | $890K | 5.7% | 0.00% |
| 6 | First Financial Bank | 1 | $810K | 5.2% | 0.00% |
| 7 | Banner Bank | 2 | $732K | 4.7% | 0.00% |
| 8 | Northwest Bank | 1 | $693K | 4.4% | 0.00% |
| 9 | The Bancorp Bank National Association | 1 | $575K | 3.7% | 0.00% |
| 10 | KeyBank National Association | 4 | $567K | 3.6% | 0.00% |
| 11 | Columbia Bank | 1 | $544K | 3.5% | 0.00% |
| 12 | Wells Fargo Bank National Association | 4 | $470K | 3.0% | 0.00% |
| 13 | Heritage Bank | 4 | $448K | 2.9% | 0.00% |
| 14 | D. L. Evans Bank | 4 | $402K | 2.6% | 0.00% |
| 15 | Live Oak Banking Company | 1 | $350K | 2.2% | 0.00% |
| 16 | Idaho Central CU | 1 | $309K | 2.0% | 0.00% |
| 17 | Celtic Bank Corporation | 1 | $150K | 1.0% | 0.00% |
| 18 | The Huntington National Bank | 1 | $132K | 0.8% | 0.00% |
| 19 | Readycap Lending, LLC | 1 | $127K | 0.8% | 0.00% |
| 20 | Mountain America FCU | 1 | $50K | 0.3% | 0.00% |
| 21 | Montana Community Development Corp. | 1 | $31K | 0.2% | 0.00% |
| 22 | Sunwest Bank | 1 | $30K | 0.2% | 0.00% |
Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.
What the money went into
| Rank | Industry | Loans | Approved | Share of county |
|---|---|---|---|---|
| 1 | Manufacturing | 5 | $3.5M | 22.8% |
| 2 | Retail trade | 13 | $3.0M | 19.3% |
| 3 | Accommodation & food services | 7 | $1.9M | 12.2% |
| 4 | Construction | 22 | $1.7M | 11.1% |
| 5 | Retail trade | 4 | $1.1M | 6.8% |
| 6 | Wholesale trade | 6 | $1.0M | 6.7% |
| 7 | Administrative & waste services | 4 | $790K | 5.1% |
| 8 | Health care & social assistance | 5 | $776K | 5.0% |
| 9 | Real estate & leasing | 3 | $713K | 4.6% |
| 10 | Manufacturing | 3 | $292K | 1.9% |
| 11 | Arts, entertainment & recreation | 2 | $198K | 1.3% |
| 12 | Transportation & warehousing | 5 | $141K | 0.9% |
| 13 | Other services | 1 | $132K | 0.8% |
| 14 | Manufacturing | 1 | $110K | 0.7% |
| 15 | Professional & technical services | 1 | $105K | 0.7% |
| 16 | Agriculture, forestry & fishing | 2 | $34K | 0.2% |
Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.
About this data
Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.