B
SBA 7(a) franchise lending portfolio
BancFirst
AVERAGE risk
- Total loans
- 368
- Loan volume
- $128.4M
- Avg loan size
- $349K
- Charge-off rate
- 14.3%
- vs 15.4% national avg
Defaults
45
Avg interest
6.14%
Franchises funded
176
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 31 | $4.5M | 16.1% (high risk) |
| Subway Sandwich Shop | 15 | $2.2M | 13.3% (elevated risk) |
| Marco's Pizza | 12 | $5.8M | 8.3% (moderate risk) |
| Jersey Mike's (deli Restaurant | 10 | $2.0M | 0.0% (low risk) |
| Little Ceasar's Pizza | 9 | $2.0M | 0.0% (low risk) |
| Wings To Go | 8 | $946K | 50.0% (very high risk) |
| Cici's Pizza | 7 | $3.1M | 0.0% (low risk) |
| Cici's Pizza/ Cici's To Go | 7 | $2.6M | 0.0% (low risk) |
| Jersey Mike's | 7 | $1.0M | 0.0% (low risk) |
| Pearle Vision | 7 | $2.7M | 0.0% (low risk) |
| HTeaO | 7 | $6.0M | 0.0% (low risk) |
| Little Caesar Pizza | 6 | $3.3M | 0.0% (low risk) |
| Cicis | 6 | $2.1M | N/A |
| Charlies Chicken | 5 | $2.5M | 0.0% (low risk) |
| Chicken Salad Chick | 5 | $2.7M | 100.0% (very high risk) |
| Taco Mayo | 4 | $1.1M | 0.0% (low risk) |
| Marble Slab Creamery | 4 | $672K | 0.0% (low risk) |
| Domino's Pizza | 4 | $377K | 50.0% (very high risk) |
| Minuteman Press | 4 | $504K | 25.0% (very high risk) |
| Midas Muffler Shop | 4 | $659K | 0.0% (low risk) |
Lending volume by year
4'93
7
7
4
3
5'98
6
9
6
13
13'03
15
19
18
17
7'08
10
12
4
19
14'13
18
26
9
10
17'18
15
10
15
14
8'23
8
6'25
BancFirst charge-off rate by loan vintage
BrandNational avg
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has BancFirst originated?
- 368 loans totaling $128.4M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does BancFirst fund the most?
- The “Top franchise exposures” table above lists the brands BancFirst has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.