Feasibility Study Data for the Coeur d'Alene, ID Metro Area

Coeur d'Alene: volume, rank and ticket size across Coeur d'Alene, ID

SBA approved 800 loans for Coeur d'Alene projects between FY2017 and FY2026, for $400.2 million gross. Coeur d'Alene holds rank 122 of 928 against every other statistical area, Coeur d'Alene among them. Loan size centers on $204,500, while the middle half cover $50,000 to $563,500. Loan size here is at 0.98x against the national median, which keeps Coeur d'Alene close to the national norm on ticket size.

Coeur d'Alene borrowers, programs and holders in Coeur d'Alene, ID

The metro area shows 705 loans under 7(a), against 95 under 504, so Coeur d'Alene working capital and business purchase lead here. Franchise brands account for 11.3% of loans in this metro area. In Coeur d'Alene, on the 7(a) side, Glacier Bank leads with 168 loans and $47.4 million; next is Idaho Central CU, 49 loans for $28.9 million. Also in the 7(a) table: Washington Trust Bank at 45 loans, with 43 more at U.S. Bank, National Association. Under 504, Capital Matrix, Inc. is the lead holder with 37 loans and $23.3 million. Northwest Business Development Association trails with 25. Every lender Coeur d'Alene row is SBA's record of holdings. A row for Glacier Bank appears for the Coeur d'Alene loans SBA assigns to it; nothing here speaks to what Idaho Central CU asks of an applicant.

Coeur d'Alene, ID: the class table and county table for Coeur d'Alene

Most of the Coeur d'Alene total sits outside the tracked asset classes: 554 loans that carry codes outside the Coeur d'Alene table. The Coeur d'Alene class rows therefore describe a minority of Coeur d'Alene lending. The class table opens with limited-service restaurant, 34 loans, ahead of full-service restaurant at 29 and medical office (physicians) with 20. Lower in the table come fitness center with 18 and rehabilitation and therapy clinic at 17. Kootenai County, ID is the largest source of loans, with 800. Demand differs between these counties, so the Coeur d'Alene figure hides some spread.

Coeur d'Alene: outcome rates, trend and data limits in Coeur d'Alene, ID

Cancellation after approval reached a floor of 8.6% for Coeur d'Alene approvals in FY2017 to FY2024; the 8.6% floor has no ceiling beside it, since that figure is withheld at the source. Charge-offs to date are at least 3.2% for the FY2017 to FY2021 disbursed Coeur d'Alene cohort of 408 loans. As for the five-year rate, it is withheld because the cohort is below 30 loans, and it is not given a number here. Seasoning continues, making these floors with future data able only to raise them. Annual approvals peaked in FY2017 at 117 loans and $46.4 million; the thinnest Coeur d'Alene year before FY2026 was FY2023, with 50 loans for $30.9 million. Kootenai County, ID and Kootenai County, ID count here since each loan is placed by its project county. Then the 2023 delineation of statistical areas sets the line, so a loan from an unmatched Coeur d'Alene county appears nowhere.

Coeur d'Alene, ID: the tests a Coeur d'Alene study must pass

A study for a Coeur d'Alene project should start from the project's own county, because the metro area total combines different markets. Limited-service restaurant is the lead class in Coeur d'Alene, so it has to examine traffic counts and site visibility and build-out cost for a small box, then the delivery platforms' share of sales. A Coeur d'Alene request in full-service restaurant the questions are how Coeur d'Alene diners split by daypart and kitchen capacity against peak service. Cash flow for a Coeur d'Alene loan needs a poor-year test; comparable sales near the site should support the value.