Columbia Bank (OR): SBA Lending Record
What SBA's own loan files show about Columbia Bank (OR) as an SBA lender, and how a lender's record bears on a feasibility study.
What SBA credits to Columbia Bank (OR)
SBA's loan files credit Columbia Bank (OR) with 5,528 loans worth $2.26 billion approved in gross dollars, counting approvals from FY2017 through FY2026. No SBA 504 loans are attached; the whole record is SBA 7(a). OR is the state under which Columbia Bank (OR) is filed. These are SBA's records of 5,528 loans Columbia Bank (OR) holds or held, not a description of its habits. The agency, not the holder, stands behind the guarantee, and each 7(a) loan is counted where it is currently assigned or was last held.
Three states carry the book
Of the 5,528 loans, 4,093 have no named asset class. The named ones start with the full-service restaurant at 237 loans, then assisted living without nursing care at 155, automotive repair at 135, hotels and motels at 132 and the limited-service restaurant at 130. The state table is lopsided toward the Pacific Northwest: Oregon has 1,883 loans, Washington 1,875 and California 1,059, with Idaho at 320, Colorado at 65 and Arizona at 63. A borrower in any of the first three is looking at real depth in the file; a borrower elsewhere sees a handful of loans.
After approval: cancellations and charge-offs
Cancelled share, FY2017 through FY2024 approvals: 16.4% minimum. 16.8% maximum, with undisbursed loans counted as cancelled. Charged off, FY2017 to FY2021 cohort of 2,237: floor 4.6% so far, 2.2% by the fifth year after approval. Loans stay open at Columbia Bank (OR), so both rates may climb.
Reading it before a study
At 155 loans, assisted living gives a care-home sponsor a reference point. The study for such a project must test licensed beds, the private-pay depth of the area, the lease-up period and staffing cost against the rates residents can pay. A hotel project, with 132 loans in this file, needs occupancy, average rate and the renovation reserve, plus a downside year. For restaurants the study turns on the revenue each seat brings against the rent. Given the cancellation floor, give the schedule some slack between approval and closing, and let the appraisal rest on income the property can really earn.
SBA loans held by Columbia Bank (OR)
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 | 5,528 |
|---|---|
| Gross dollars approved | $2.26 billion |
| SBA 7(a) loans | 5,528 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 16.4% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 16.8% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.6% |
| Charged off within five years of approval | 2.2% |
| Loans in that cohort | 2,237 |
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 | 4,093 |
| Full-service restaurant | 237 |
| Assisted living (without nursing care) | 155 |
| Automotive mechanical repair (car and truck) | 135 |
| Hotel and motel | 132 |
| Limited-service restaurant | 130 |
| Beauty salon | 73 |
| Gas station and truck stop | 72 |
| Beverage manufacturing (breweries, wineries, distilleries) | 60 |
| Coffee shop and snack bar | 58 |
| Fitness center | 53 |
| Liquor store | 42 |
| Child care center | 37 |
| Grocery store | 34 |
| Dental office | 32 |
| Medical office (physicians) | 25 |
| Skilled nursing | 24 |
| Nonresidential lessor (flex, office and retail investor buildings) | 22 |
| Caterers (includes banquet halls with catering staff) | 21 |
| Rehabilitation and therapy clinic | 19 |
| Car wash | 16 |
| Veterinary clinic | 15 |
| RV park and campground | 8 |
| Data center | 8 |
| School (elementary and secondary, including charter) | 6 |
| Behavioral health and addiction treatment | 5 |
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 |
|---|---|
| Oregon | 1,883 |
| Washington | 1,875 |
| California | 1,059 |
| Idaho | 320 |
| Colorado | 65 |
| Arizona | 63 |
| Texas | 57 |
| Nevada | 45 |
| Florida | 25 |
| Utah | 13 |
| New Jersey | 12 |
| New York | 11 |
| Georgia | 9 |
| Illinois | 9 |
| Ohio | 9 |
| Minnesota | 7 |
| South Carolina | 6 |
| Indiana | 5 |
| North Carolina | 5 |
| Virginia | 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-17266.
Related feasibility study pages
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