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FranchiseVerdict

SBA 7(a) franchise lending portfolio

BancFirst

Risk rating: Average
Total loans
368
Loan volume
$128.4M
Avg loan size
$349K
Charge-off rate
14.3%
vs 16.0% national

Charged off

45

Avg interest

6.14%

Franchises funded

176

Risk rating

Average

Top franchise exposures

FranchiseLoansVolumeCharge-off %
Quiznos31$4.5M16.1% (elevated)
Jersey Mike's (deli Restaurant17$3.0MN/A
Subway Sandwich Shop15$2.2M13.3% (average)
Little Ceasar's Pizza15$5.3MN/A
Cici's Pizza/ Cici's To Go13$4.7MN/A
Marco's Pizza12$5.8M8.3% (good)
Wings To Go8$946KN/A
Cici's Pizza7$3.1MN/A
Pearle Vision7$2.7MN/A
HTeaO7$6.0MN/A
Charlies Chicken5$2.5MN/A
Chicken Salad Chick5$2.7MN/A
Taco Mayo4$1.1MN/A
Marble Slab Creamery4$672KN/A
Domino's Pizza4$377KN/A
Minuteman Press4$504KN/A
Midas Muffler Shop4$659KN/A

SBA 7(a) · charge-off rate by approval year

BancFirst: below all franchise loans in 10 of 15 rated years

BancFirst: below all franchise loans in 10 of 15 rated yearsBancFirst charge-off rate by loan vintage. 30 approval years, 1993 to 2022; the 15 with at least 10 resolved loans are plotted, against all franchise loans approved the same year. Their rates run from 0.0% to 40.0%.

Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.

Show the numbers by year
YearResolvedCharged offRate
199341Too few
199472Too few
199573Too few
199640Too few
199731Too few
199851Too few
199961Too few
200091Too few
200160Too few
20021317.7%
20031300.0%
200415320.0%
200519526.3%
200618422.2%
200717423.5%
200871Too few
200910110.0%
201012216.7%
201141Too few
20121900.0%
20131400.0%
20141600.0%
20152613.8%
201680Too few
201710220.0%
201815426.7%
201910440.0%
202060Too early
202140Too early
202241Too early

Dashed line: all franchise 7(a) loans approved the same year.

Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.

Geographic exposure

Oklahoma
33215.6% (elevated)
Texas
180.0% (excellent)
Arkansas
7N/A
Utah
5N/A
Colorado
2N/A
Missouri
2N/A
Florida
1N/A
New York
1N/A

Portfolio summary

Total funded$128.4M
Charged off45 of 368
Risk tierAverage
Avg rate6.14%

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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. BancFirst's rate of 14.3% is below the national rate.
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.