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SBA 7(a) franchise lending portfolio
BancFirst
AVERAGE risk
- Total loans
- 368
- Loan volume
- $128.4M
- Avg loan size
- $349K
- Default 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% |
| Subway Sandwich Shop | 15 | $2.2M | 13.3% |
| Marco's Pizza | 12 | $5.8M | 8.3% |
| Jersey Mike's (deli Restaurant | 10 | $2.0M | 0.0% |
| Little Ceasar's Pizza | 9 | $2.0M | 0.0% |
| Wings To Go | 8 | $946K | 50.0% |
| Cici's Pizza | 7 | $3.1M | 0.0% |
| Cici's Pizza/ Cici's To Go | 7 | $2.6M | 0.0% |
| Jersey Mike's | 7 | $1.0M | 0.0% |
| Pearle Vision | 7 | $2.7M | 0.0% |
| HTeaO | 7 | $6.0M | 0.0% |
| Little Caesar Pizza | 6 | $3.3M | 0.0% |
| Cicis | 6 | $2.1M | — |
| Charlies Chicken | 5 | $2.5M | 0.0% |
| Chicken Salad Chick | 5 | $2.7M | 100.0% |
| Taco Mayo | 4 | $1.1M | 0.0% |
| Marble Slab Creamery | 4 | $672K | 0.0% |
| Domino's Pizza | 4 | $377K | 50.0% |
| Minuteman Press | 4 | $504K | 25.0% |
| Midas Muffler Shop | 4 | $659K | 0.0% |
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 default rate by loan vintage
BrandNational avg
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).