Banner Bank
Headquartered in WALLA WALLA, WA. Analysis based on 1,377 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $341.9M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Banner Bank ranks #41 by charge-off rate (1.69%).
Total 7(a) loans
1,377
Total approved
$341.9M
Average loan
$248K
States funded in
7
Charge-off rate
1.69%
FY2020–FY2023 cohort
Paid-in-full rate
38.41%
Average rate
7.71%
Average term
111 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 53 |
| 238990 | All Other Specialty Trade Contractors | 49 |
| 238910 | Site Preparation Contractors | 34 |
| 236118 | Residential Remodelers | 32 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 29 |
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 29 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 28 |
| 238210 | Electrical Contractors | 24 |
| 722513 | Limited-Service Restaurants | 24 |
| 113310 | Logging | 23 |
Top 10 states
| State | Loans |
|---|---|
| WA | 699 |
| CA | 338 |
| OR | 261 |
| ID | 75 |
| NY | 2 |
| AK | 1 |
| CO | 1 |
Top franchise brands financed
54 franchise loans across 39 distinct brands.
| Franchise | Loans |
|---|---|
| Subway | 4 |
| SpeedPro Imaging | 3 |
| Pure Barre | 3 |
| Dutch Bros. | 2 |
| Play It Again Sports | 2 |
| The Human Bean | 2 |
| F45 Training | 2 |
| Mighty Dog Roofing | 2 |
| Smash My Trash | 2 |
| Jersey Mike's | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.