Feasibility Study Data for the Sandpoint, ID Micro Area

Sandpoint: volume, rank and ticket size across Sandpoint, ID

SBA approved 248 loans for Sandpoint projects over FY2017 to FY2026, carrying $62.0 million across every asset class. The micro area sits at 274 of 928 against every other statistical area, Sandpoint among them. A typical Sandpoint loan is $50,000, with half of all loans between $25,000 and $274,250. Against the country, Sandpoint borrowers take smaller loans, at 0.24x of the national median. Nationally, Sandpoint loans run larger than they do here.

Sandpoint, ID: 7(a), 504 and the holders behind Sandpoint

The micro area shows 233 loans under 7(a), against 15 under 504. Sandpoint is a 7(a) market first. In Sandpoint, the franchise share of Sandpoint loans is 2.8%. Among 7(a) holders, Columbia Bank (OR) stands first, at 82 loans and $10.8 million. Second place is Glacier Bank: 65 loans, $11.5 million. Further down, Washington Trust Bank shows 17 loans, with 14 more at U.S. Bank, National Association. In Sandpoint, the 504 table is headed by Capital Matrix, Inc., at 8 loans and $2.9 million. Lender Sandpoint figures here are SBA records, nothing more. Columbia Bank (OR) appears as the holder SBA reports; the Sandpoint list neither praises nor faults any holder.

Sandpoint: class and county mix across Sandpoint, ID

The larger share of the Sandpoint record falls outside the class table: 185 loans that carry codes outside the Sandpoint table. The Sandpoint class rows therefore describe a minority of Sandpoint lending. Among tracked Sandpoint classes, full-service restaurant leads with 13 loans, ahead of automotive Sandpoint mechanical repair (car and truck) at 9 and self storage with 6. Further down sit limited-service restaurant, 5 loans. By county, Bonner County, ID accounts for 248 loans. Land, rents and rivals differ by county, so the Sandpoint figure hides some spread.

Sandpoint: outcome rates, trend and data limits in Sandpoint, ID

Looking at FY2017 to FY2024 approvals, Sandpoint cancellations came to at least 12.3%; no ceiling is published beside the 12.3% floor, since that Sandpoint figure is withheld at the source. No charge-off rate is shown for Sandpoint: the cohort is too thin for a reliable rate, which is a limit of the data and not evidence that no loan was charged off. FY2022 was the high point: 33 loans worth $6.6 million, and the quietest Sandpoint year before FY2026 was FY2017, at 12 loans and $2.8 million. Membership in the Sandpoint, ID micro area follows the project county: Bonner County, ID, Bonner County, ID and the rest. Then counties are placed under the July 2023 Sandpoint delineation, yet Sandpoint counties Sandpoint that resist matching stay out of all Sandpoint totals.

Sandpoint, ID: what a Sandpoint feasibility study has to test

Any Sandpoint feasibility study should start from the particular county, since the micro area total blends different markets. For Sandpoint, with full-service restaurant first in the Sandpoint class table, expect review of liquor licence timing and cost, plus what prime cost leaves for debt and how Sandpoint diners split by daypart. Projects in automotive mechanical repair (car and truck) here depend on waste oil and fluid handling and on Sandpoint vehicles registered within the drive time. A Sandpoint operator's coverage has to survive a poor year; an appraiser will want earnings and sale proof from the same market. With smaller tickets the norm in Sandpoint, a larger ask must be defended with project facts.