Glacier Bank: SBA Lending Record
What SBA's own loan files show about Glacier Bank as an SBA lender, and how a lender's record bears on a feasibility study.
What SBA's file shows for Glacier Bank
Under Glacier Bank as holder, SBA lists 1,403 loans from FY2017 to FY2026. Glacier Bank loans: $624.7 million in gross approved dollars, 1,403 loans in all. SBA, not Glacier Bank, guarantees each of the 1,403 loans held, now or earlier, by Glacier Bank. Every Glacier Bank loan on file is 7(a), 1,403 in all; none are 504. Glacier Bank holder status: assigned now or last.
993 of 1,403 loans have no tracked class, which leaves Glacier Bank class rows thinner. Glacier Bank class rows open with limited-service restaurant, 56 of 1,403 loans. Then 54 loans in full-service restaurant, 36 in automotive mechanical repair and coffee shop and snack bar with 35 loans. Further down Glacier Bank: fitness center at 30, medical office (29) and 24 loans in dental office. Glacier Bank: more rows in the table.
Glacier Bank opens geographically with Idaho (501), 320 in Montana, Utah (229), 121 in Washington, Texas (87), 57 in Colorado, Arizona (47), 20 in Wyoming and Nevada (11). Idaho heads the Glacier Bank state list. Later states carry fewer Glacier Bank loans each; depth varies by place.
Glacier Bank: loans cancelled or charged off
Glacier Bank approvals, FY2017 to FY2024: 7.2%, at least, were cancelled after approval. Loan Analytics withholds the Glacier Bank ceiling. At Glacier Bank, 2.2% is charged off to date among 877 loans disbursed FY2017 to FY2021. Glacier Bank: 1.6% charged off within five years. Glacier Bank outcomes show; reasons do not. Glacier Bank cohort rates cover FY2017 to FY2021 disbursements. Glacier Bank: 7.2% is a floor, 1,403 loans notwithstanding, not a forecast. Glacier Bank rates stay floors; 1,403 loans could still lift 7.2%.
Glacier Bank: what a borrower can take
Glacier Bank, a bank or lender: 1,403 recorded loans lend context. Glacier Bank has no row that says what Glacier Bank wants from a borrower. For Glacier Bank, weigh full-service restaurant, 1,403 loans deep, and the project against Montana. Glacier Bank: other sources go in the study.
1,403 loans at Glacier Bank: context only. For Glacier Bank, a project proves itself alone in Idaho. 1,403 loans at Glacier Bank do not carry limited-service restaurant demand, Glacier Bank cannot; Idaho conditions do, not Glacier Bank. Budget lines meet raised funds, 1,403 loans staying aside. 1,403 loans give Glacier Bank breadth, not depth. 1,403 loans or one, a margin must absorb 7.2% at least, Glacier Bank aside. Glacier Bank aside, debt service coverage keeps a 7.2% floor in view. At Glacier Bank, loan size follows appraised value. Glacier Bank: no study promises approval; 1,403 loans or none, it prepares the file.
SBA loans held by Glacier 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 | 1,403 |
|---|---|
| Gross dollars approved | $624.7 million |
| SBA 7(a) loans | 1,403 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 2.2% |
| Charged off within five years of approval | 1.6% |
| Loans in that cohort | 877 |
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 | 993 |
| Limited-service restaurant | 56 |
| Full-service restaurant | 54 |
| Automotive mechanical repair (car and truck) | 36 |
| Coffee shop and snack bar | 35 |
| Fitness center | 30 |
| Medical office (physicians) | 29 |
| Dental office | 24 |
| Beverage manufacturing (breweries, wineries, distilleries) | 17 |
| Rehabilitation and therapy clinic | 17 |
| Gas station and truck stop | 11 |
| Self storage | 11 |
| Nonresidential lessor (flex, office and retail investor buildings) | 11 |
| Child care center | 11 |
| Beauty salon | 11 |
| Assisted living (without nursing care) | 10 |
| Grocery store | 8 |
| Car wash | 7 |
| Hotel and motel | 7 |
| Behavioral health and addiction treatment | 6 |
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 |
|---|---|
| Idaho | 501 |
| Montana | 320 |
| Utah | 229 |
| Washington | 121 |
| Texas | 87 |
| Colorado | 57 |
| Arizona | 47 |
| Wyoming | 20 |
| Nevada | 11 |
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-30788.
Related feasibility study pages
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