Columbia Bank: SBA business acquisition lending record
Columbia Bank (home state OR) approved 451 SBA 7(a) loans to buy existing businesses since FY2018, totaling $464M. The median loan was $692,000. It ranks number 16 of 280 lenders by count and made 0.9% of all SBA acquisition loans nationally.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $410,200 and $1,313,000. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Washington is the largest state (31% of loans). Loans appear in at least 15 states, which points to a national lender.
- Industry concentration. Assisted Living Facilities for the Elderly is 7% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 3,568 SBA 7(a) loans of any purpose since FY2020, totaling $1.2B. 87% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 15% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Of its loans from FY2018 to FY2021: 4.9% charged off, 39% higher than the 3.5% national average.
Columbia Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 63 | $57M | $492,000 | |
| FY2019 | 105 | $108M | $626,900 | |
| FY2020 | 90 | $76M | $624,650 | |
| FY2021 | 70 | $73.9M | $786,650 | |
| FY2022 | 52 | $57.3M | $681,100 | |
| FY2023 | 45 | $57.9M | $999,000 | |
| FY2024 | 14 | $19.4M | $977,000 | |
| FY2025 | 2 | $1.4M | $689,250 | |
| FY2026 | 10 | $13.5M | $1,133,500 |
How often do these acquisition loans fail?
Of the 328 Columbia Bank acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 16 have been charged off by the SBA, a rate of 4.9% by loan count and 4.3% by dollars. 183 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Columbia Bank is 39% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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States served
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Washington | 142 | 31.5% | $126M | |
| 2 | California | 121 | 26.8% | $123M | |
| 3 | Oregon | 71 | 15.7% | $51.6M | |
| 4 | New Jersey | 23 | 5.1% | $31M | |
| 5 | Colorado | 18 | 4.0% | $18.1M | |
| 6 | Texas | 13 | 2.9% | $26M | |
| 7 | Florida | 12 | 2.7% | $24.1M | |
| 8 | Idaho | 10 | 2.2% | $15.1M | |
| 9 | Arizona | 9 | 2.0% | $8.1M | |
| 10 | Nevada | 6 | 1.3% | $4.8M | |
| 11 | Ohio | 4 | 0.9% | $3.3M | |
| 12 | Virginia | 3 | 0.7% | $4.4M | |
| 13 | Mississippi | 2 | 0.4% | $4.3M | |
| 14 | Montana | 2 | 0.4% | $2.8M | |
| 15 | Wyoming | 2 | 0.4% | $2.3M |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Assisted Living Facilities for the Elderly | 30 | 6.7% | $27.8M | |
| 2 | Full-Service Restaurants | 24 | 5.3% | $22.3M | |
| 3 | Hotels (except Casino Hotels) and Motels | 20 | 4.4% | $50M | |
| 4 | Other Residential Care Facilities | 17 | 3.8% | $28.2M | |
| 5 | Limited-Service Restaurants | 16 | 3.5% | $13.2M | |
| 6 | All Other Specialty Trade Contractors | 13 | 2.9% | $8.2M | |
| 7 | Beer, Wine, and Liquor Retailers | 10 | 2.2% | $8.9M | |
| 8 | General Automotive Repair | 8 | 1.8% | $10.6M | |
| 9 | Offices of Chiropractors | 8 | 1.8% | $3.4M | |
| 10 | Electronic Shopping and Mail-Order Houses | 7 | 1.6% | $8.6M |
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The UPS Store | 6 | 1.3% | $1.6M | |
| 2 | Denny's | 3 | 0.7% | $5M | |
| 3 | Ace Hardware | 3 | 0.7% | $2.2M | |
| 4 | Minuteman Press | 3 | 0.7% | $1.3M | |
| 5 | Comfort Inn | 2 | 0.4% | $6.9M | |
| 6 | Quality Inn | 2 | 0.4% | $4.8M | |
| 7 | Studio 6 | 2 | 0.4% | $4.3M | |
| 8 | Comfort Keepers | 2 | 0.4% | $3.7M | |
| 9 | Best Western | 2 | 0.4% | $3M | |
| 10 | Do it Best | 2 | 0.4% | $2M |
Questions buyers ask
Does Columbia Bank make SBA acquisition loans?
Yes. Columbia Bank approved 451 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 16 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are Columbia Bank's acquisition loans?
The median was $692,000, with the middle half between $410,200 and $1,313,000. The national median is $645,250, so this lender's typical loan is 7% higher than the national figure.
Which states does Columbia Bank lend in?
Washington (142), California (121), Oregon (71), New Jersey (23), Colorado (18), Texas (13). Its loans span at least 15 states.
Which industries does Columbia Bank finance?
Assisted Living Facilities for the Elderly (30), Full-Service Restaurants (24), Hotels (except Casino Hotels) and Motels (20), Other Residential Care Facilities (17), Limited-Service Restaurants (16). The top industry is 7% of its acquisition loans.
How have Columbia Bank's acquisition loans performed?
Of 328 loans approved FY2018 to FY2021: 4.9% charged off, 39% higher than the 3.5% national acquisition average. Charge-offs reflect the borrowers and industries a lender serves as well as its underwriting.
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Related
- Washington acquisitions
- California acquisitions
- Oregon acquisitions
- Assisted Living Facilities for the Elderly
- Full-Service Restaurants
- Hotels (except Casino Hotels) and Motels
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Columbia Bank.