Feasibility Study Data for the Walla Walla, WA Metro Area

Walla Walla, WA: reading the area whole

Walla Walla, WA logged 111 SBA approvals in FY2017 to FY2026, worth $56.6 million in gross dollars. Walla Walla counts as a mid-table area, ranked 448 of 928 by loans. In Walla Walla, WA, every asset class is pooled for Walla Walla. That view of Walla Walla is missing from WA and national tables.

Walla Walla's middle-half loans run $50,700 to $524,500, with $150,000 at the median. Outside data makes Walla Walla requests look heavy; at 0.72x, Walla Walla is well below the national level. 97 of the Walla Walla loans are 7(a); 14 are 504; Walla Walla borrowers meet 7(a) most. 9.0% of Walla Walla loans went to franchised businesses, so a Walla Walla study names the brand, if any, for Walla Walla.

Walla Walla: classes, places and lenders

Tracked Walla Walla loan counts run highest in beverage manufacturing with 12; gas station and truck stop with 6; full-service restaurant with 6; limited-service restaurant with 6. Another 61 Walla Walla loans sit in no tracked class, so Walla Walla totals describe operating businesses, not only property. Walla Walla's top counties by loans: 111 loans in Walla Walla County, WA. Walla Walla 7(a) leaders: Banner Bank ($5.5 million, 37 loans); Columbia Bank (OR) ($1.9 million, 12 loans); U.S. Bank, National Association ($2.5 million, 6 loans). Northwest Business Development Association ($5.3 million, 9 loans) lead 504 lending in Walla Walla. Banner Bank's 37 loans, like every Walla Walla lender figure, are an SBA record of Walla Walla loans held or once held. No Walla Walla lender is judged by these counts.

Walla Walla goes from 12 loans in FY2017 to 10 in FY2026, ending lower: the peak was 16 in FY2025, and the trough 6 in FY2020. Of Walla Walla approvals in FY2017 to FY2024, Walla Walla saw at least 7.1% cancelled, and at most 7.1% if Walla Walla loans still undisbursed count as cancelled in Walla Walla. A charge-off floor for Walla Walla would rest on a thin cohort of 111 loans, so Walla Walla withholds it; withheld is not zero. Walla Walla, WA membership follows the July 2023 delineation; Walla Walla counties are matched by name, and a Walla Walla loan with no match is dropped, so 111 is a floor, and every Walla Walla rate is too.

Walla Walla: the study questions

For Walla Walla, a study tests Walla Walla demand within a defined trade area, since Walla Walla County, WA dominates Walla Walla loan counts. If a Walla Walla concept resembles beverage manufacturing, Walla Walla offers size and lender precedent; other Walla Walla concepts must rest on their own Walla Walla evidence. Walla Walla costs belong on local bids; test Walla Walla debt service coverage for a loan near $150,000, and again near $524,500. Walla Walla appraisals compare within one submarket of Walla Walla, WA, not across averages. The Walla Walla record frames questions, and each lender in Walla Walla decides on its own.