Umpqua Bank
Umpqua Bank is a top 30 publicly traded U.S. bank with over $50 billion in assets, providing personal, business, commercial, and wealth management financial services across eight western states. Originally founded in 1953 in southern Oregon, the bank operates over 350 branches and is FDIC-insured with SBA Preferred Lender status.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (23 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Umpqua Bank ranks #330 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Umpqua Bank’s 7(a) acquisition lending falls in the $500K-$1M range: 8 loans, 34.8% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 1 | 4.3% | |
| $500K-$1M | 8 | 34.8% | |
| $1M-$2M | 8 | 34.8% | |
| $2M-$3M | 2 | 8.7% | |
| $3M-$4M | 2 | 8.7% | |
| $4M-$5M | 2 | 8.7% |
Industries with highest loan volume
General Automotive Repair
2
loans
$1.2M
avg. amount
Limited-Service Restaurants
2
loans
$768K
avg. amount
Assisted Living Facilities for the Elderly
2
loans
$987K
avg. amount
Other Accounting Services
1
loans
$685K
avg. amount
Other Miscellaneous Nondurable Goods Merchant Wholesalers
1
loans
$5.0M
avg. amount
General Line Grocery Merchant Wholesalers
1
loans
$3.7M
avg. amount
Support Activities for Printing
1
loans
$1.4M
avg. amount
Employment Placement Agencies
1
loans
$4.2M
avg. amount
Insurance Agencies and Brokerages
1
loans
$508K
avg. amount
Beer, Wine, and Liquor Retailers
1
loans
$1.2M
avg. amount
10-Year
3.1%
Percentile Ranking
92th
92th percentile
Umpqua Bank’s median variable rate is + 2.50%, against a market median of Prime + 1.88%, 63 above market.
It priced below the market median in 0 of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.75% |
| $500K-$1M | Prime + 2.47% |
| $1M-$2M | Prime + 2.09% |
| $2M-$3M | Prime + 2.63% |
| $3M-$4M | Prime + 2.13% |
| $4M-$5M | Prime + 1.38% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q1 '22 | Prime + 2.00% | Prime + 2.00% | Prime + 1.74% – Prime + 2.50% | 10 |
| Q2 '22 | Prime + 2.00% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 4 |
| Q3 '22 | Prime + 2.00% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 11 |
| Q4 '22 | Prime + 2.00% | Prime + 1.75% | Prime + 1.00% – Prime + 2.00% | 7 |
| Q1 '23 | Prime + 2.25% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 9 |
| Q2 '23 | Prime + 2.63% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 6 |
| Q3 '23 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
| Q4 '23 | Prime + 2.25% | Prime + 2.00% | Prime + 1.42% – Prime + 2.50% | 11 |
Umpqua Bank has originated 7(a) acquisition loans in 6 states, most actively in California (8), Washington (7) and Oregon (5). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| California | 8 | 34.8% |
| Washington | 7 | 30.4% |
| Oregon | 5 | 21.7% |
| Idaho | 1 | 4.3% |
| Colorado | 1 | 4.3% |
| Wyoming | 1 | 4.3% |
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