GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
154
2010–2025
Total Volume
$59M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
154 total segments
Three Rivers Bank of Montana primarily serves startups, with 56% of their deals focused on new businesses. This could be beneficial if you're launching a new venture.
With an average 7(a) spread of P+2.55%, Three Rivers Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
The lender's growth trend shows a significant decline of 58% year-over-year, which may indicate a tightening of lending criteria. Be prepared for a potentially challenging approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where Three Rivers Bank of Montana has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Agriculture & Forestry
Agriculture & Forestry
Real Estate
Real Estate
Retail Trade
Retail Trade
Other Repair & Services
Other Services
+ 7 more
All recorded SBA lending activity for Three Rivers Bank of Montana, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Montana · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+3.63% | $70K | Q3 2025 |
| Montana · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.75% | $57K | Q1 2022 |
| Montana · Transportation & Warehousing · Under $150K | 7(a) | 8 | P+2.50% | $67K | Q1 2021 |
| Montana · Manufacturing · Under $150K | 7(a) | 7 | P+3.25% | $85K | Q3 2022 |
| Montana · Real Estate · Under $150K | 7(a) | 5 | P+3.00% | $82K | Q1 2021 |
| Montana · Other Repair & Services · Under $150K | 7(a) | 5 | P+2.75% | $92K | Q4 2020 |
| Montana · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.50% | $65K | Q1 2022 |
| Montana · Agriculture & Forestry · Under $150K | 7(a) | 4 | P+2.50% | $51K | Q1 2022 |
| Montana · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.75% | $237K | Q1 2022 |
| Montana · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+2.50% | $433K | Q2 2021 |
| Montana · Auto Repair & Maintenance · $150K – $350K | 7(a) | 3 | P+2.75% | $263K | Q3 2019 |
| Montana · Building Construction · Under $150K | 7(a) | 3 | P+3.50% | $55K | Q2 2022 |
| Montana · General Merchandise · Under $150K | 7(a) | 3 | P+2.25% | $80K | Q1 2020 |
| Montana · Transportation & Warehousing · $500K – $1M | 7(a) | 3 | P+2.75% | $607K | Q1 2014 |
| Montana · Retail Trade · Under $150K | 7(a) | 3 | P+2.75% | $83K | Q1 2016 |
| Montana · Wholesale Trade · Under $150K | 7(a) | 3 | P+2.75% | $68K | Q3 2017 |
| Montana · Real Estate · $350K – $500K | 7(a) | 3 | P+2.00% | $462K | Q1 2018 |
| Montana · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+2.75% | $72K | Q1 2016 |
| Montana · Engineering & Architecture · Under $150K | 7(a) | 2 | P+2.50% | $80K | Q4 2017 |
| Montana · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+1.88% | $862K | Q4 2024 |
| Montana · Transportation & Warehousing · $150K – $350K | 7(a) | 2 | P+2.75% | $266K | Q3 2012 |
| Montana · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.75% | $233K | Q3 2014 |
| Montana · Information & Media · $350K – $500K | 7(a) | 2 | P+2.38% | $495K | Q1 2017 |
| Montana · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.75% | $789K | Q1 2022 |
| Montana · Real Estate · $500K – $1M | 7(a) | 2 | P+2.75% | $739K | Q4 2019 |
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Real experiences from borrowers who closed SBA loans with Three Rivers Bank of Montana.
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