Banner Bank: SBA Lending Record
What SBA's own loan files show about Banner Bank as an SBA lender, and how a lender's record bears on a feasibility study.
Banner as holder
Banner Bank holds 2,505 loans for FY2017 to FY2026. At Banner, the gross dollars approved are $588.1 million. Not one of the 2,505 at Banner is an SBA 504 loan; all 2,505 are SBA 7(a). Banner: state of record Washington. Banner is shown as holder of 2,505 loans at last record, or now. At Banner, SBA stands behind the 2,505. A loan Banner passed on no longer shows under Banner.
Banner: named classes
2,042 of the 2,505 loans at Banner are unplaced. That limits Banner's class view. Banner: full-service restaurant first, at 112, limited-service restaurant at 58, then coffee shop and snack bar at 46. Further at Banner: beverage manufacturing at 38, then rehabilitation and therapy clinic at 29, next automotive mechanical repair at 24. Last at Banner: dental office at 23, gas station and truck stop at 17, then medical office at 16. Also at Banner: fitness center at 16; beauty salon at 15, grocery store at 13. With 2,042 unplaced loans in front, Banner offers class evidence for part of 2,505.
Banner: states
The largest state for Banner is Washington at 1,280 loans, then California with 609 and Oregon with 461. The Banner table continues through Idaho at 139 and Alaska at 5. For Banner, 2,505 loans show holdings, not a lending territory.
Banner: the floors
Banner's FY2017 to FY2024 approvals: 5.0% or more cancelled, a floor among 2,505. Banner ceiling: 5.7%, counting undisbursed loans as cancelled. For Banner, 1,308 loans were disbursed in FY2017 to FY2021; 3.1% or more are charged off to date, 2.4% inside five years of approval. 3.1% at Banner is a floor. Open Banner loans can still be charged off.
Banner: how to read it
The Banner record gives a book's shape. 2,505 loans mark where Banner holds SBA loans. 5.0% cancelled marks where Banner approvals fell away, a floor for 2,505. Neither figure decides a Banner request. A Banner request has own demand and cost. The Banner study should say which of the 2,505 loans resemble the project. For Banner, it should name differences. 2,505 loans, read plainly, give Banner a fair view. A floor of 5.0% is history for Banner, not a forecast.
Banner: study to bring
A borrower weighing Banner should treat 2,505 loans as context, not a promise from Banner. In full-service restaurant, Banner shows 112 loans as a reference point. Banner: the study tests sales per seat. Banner needs labour cost tested too. Show Banner coverage in a slow year too. Banner needs an appraisal that supports it. Banner offers just 2,042 unplaced loans for an unnamed type. Banner's study makes the case. Banner holds 1,280 loans in Washington. Elsewhere, Banner holdings need a reason. Cancelled at Banner: a floor of 5.0%. Approval is not funding. A Banner study should hold up under delay.
SBA loans held by Banner Bank
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 2,505 |
|---|---|
| Gross dollars approved | $588.1 million |
| SBA 7(a) loans | 2,505 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 5.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 5.7% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.1% |
| Charged off within five years of approval | 2.4% |
| Loans in that cohort | 1,308 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 2,042 |
| Full-service restaurant | 112 |
| Limited-service restaurant | 58 |
| Coffee shop and snack bar | 46 |
| Beverage manufacturing (breweries, wineries, distilleries) | 38 |
| Rehabilitation and therapy clinic | 29 |
| Automotive mechanical repair (car and truck) | 24 |
| Dental office | 23 |
| Gas station and truck stop | 17 |
| Medical office (physicians) | 16 |
| Fitness center | 16 |
| Beauty salon | 15 |
| Grocery store | 13 |
| Child care center | 11 |
| Car wash | 8 |
| Veterinary clinic | 8 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Washington | 1,280 |
| California | 609 |
| Oregon | 461 |
| Idaho | 139 |
| Alaska | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-28489.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study consultant
- Evergreen Business Capital: SBA Lending Record
- Washington Trust Bank: SBA Lending Record
- Northwest Business Development Association: SBA Lending Record
- Heritage Bank (WA): SBA Lending Record
- Sound Credit Union: SBA Lending Record
- Harborstone CU: SBA Lending Record
- Ameritrust CDC: SBA Lending Record
- WaFd Bank: SBA Lending Record
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