Washington Trust Bank
Headquartered in SPOKANE, WA. Analysis based on 456 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $238.1M.
Total 7(a) loans
456
Total approved
$238.1M
Average loan
$522K
States funded in
4
Charge-off rate
0.48%
FY2020–FY2023 cohort
Paid-in-full rate
18.75%
Average rate
8.44%
Average term
123 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 26 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 17 |
| 713940 | Fitness and Recreational Sports Centers | 14 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 14 |
| 238990 | All Other Specialty Trade Contractors | 11 |
| 621310 | Offices of Chiropractors | 10 |
| 238910 | Site Preparation Contractors | 9 |
| 722410 | Drinking Places (Alcoholic Beverages) | 7 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 7 |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 7 |
Top 10 states
| State | Loans |
|---|---|
| WA | 317 |
| ID | 88 |
| OR | 50 |
| UT | 1 |
Top franchise brands financed
22 franchise loans across 17 distinct brands.
| Franchise | Loans |
|---|---|
| Do it Best – Membership Agreem | 3 |
| Orange Theory Fitness | 3 |
| The UPS Store (f/k/a Mail Box | 2 |
| Maaco | 1 |
| The Cleaning Authority | 1 |
| BRP US Inc. - Dealer Agreement | 1 |
| Yamaha (Sales and Service Agre | 1 |
| Jimmy John's | 1 |
| Burger King | 1 |
| Service Team Of Professionals | 1 |
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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.