BB
SBA 7(a) franchise lending portfolio
Banner Bank
Risk rating: Average
- Total loans
- 320
- Loan volume
- $128.4M
- Avg loan size
- $401K
- Charge-off rate
- 12.9%
- vs 16.0% national
Charged off
36
Avg interest
6.11%
Franchises funded
180
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 34 | $7.4M | 0.0% (excellent) |
| Farmer Boys-Brea | 31 | $29.7M | N/A |
| Dutch Bros. Coffee | 11 | $5.7M | 0.0% (excellent) |
| Ace Hardware | 6 | $2.6M | N/A |
| Dairy Queen | 5 | $1.2M | N/A |
| Aim Mail Center | 5 | $506K | N/A |
| It's A Grind Coffee | 5 | $1.3M | N/A |
| Servicemaster Clean | 4 | $914K | N/A |
| Chevron (gas Station) | 3 | $4.4M | N/A |
| Taco Del Mar | 3 | $402K | N/A |
| Bruchi's Cheesesteaks And Subs | 3 | $302K | N/A |
| The Pita Pit | 3 | $517K | N/A |
| The Human Bean | 3 | $889K | N/A |
| Cartridge World | 3 | $376K | N/A |
| Snap Fitness | 3 | $686K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 4 |
| FY1993 | 6 |
| FY1995 | 9 |
| FY1996 | 3 |
| FY1997 | 6 |
| FY1998 | 3 |
| FY1999 | 1 |
| FY2000 | 2 |
| FY2001 | 2 |
| FY2002 | 12 |
| FY2003 | 14 |
| FY2004 | 16 |
| FY2005 | 21 |
| FY2006 | 17 |
| FY2007 | 16 |
| FY2008 | 10 |
| FY2009 | 5 |
| FY2010 | 1 |
| FY2011 | 7 |
| FY2012 | 9 |
| FY2013 | 24 |
| FY2014 | 22 |
| FY2015 | 20 |
| FY2016 | 11 |
| FY2017 | 7 |
| FY2018 | 11 |
| FY2019 | 11 |
| FY2020 | 9 |
| FY2021 | 14 |
| FY2022 | 9 |
| FY2023 | 7 |
| FY2024 | 3 |
| FY2025 | 8 |
SBA 7(a) · charge-off rate by approval year
Banner Bank: below all franchise loans in 8 of 12 rated years
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
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 4 | 0 | Too few |
| 1993 | 6 | 1 | Too few |
| 1995 | 9 | 2 | Too few |
| 1996 | 3 | 0 | Too few |
| 1997 | 6 | 0 | Too few |
| 1998 | 3 | 1 | Too few |
| 2002 | 12 | 0 | 0.0% |
| 2003 | 13 | 3 | 23.1% |
| 2004 | 15 | 4 | 26.7% |
| 2005 | 21 | 3 | 14.3% |
| 2006 | 16 | 6 | 37.5% |
| 2007 | 15 | 6 | 40.0% |
| 2008 | 10 | 3 | 30.0% |
| 2009 | 5 | 2 | Too few |
| 2011 | 5 | 0 | Too few |
| 2012 | 9 | 1 | Too few |
| 2013 | 24 | 1 | 4.2% |
| 2014 | 22 | 0 | 0.0% |
| 2015 | 18 | 1 | 5.6% |
| 2016 | 11 | 1 | 9.1% |
| 2017 | 6 | 0 | Too few |
| 2018 | 10 | 0 | 0.0% |
| 2019 | 7 | 0 | Too few |
| 2020 | 4 | 0 | Too early |
| 2021 | 9 | 0 | Too early |
| 2022 | 6 | 0 | Too 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
16512.8% (average)
8114.7% (average)
304.3% (excellent)
225.3% (good)
9N/A
5N/A
4N/A
3N/A
1N/A
Portfolio summary
Total funded$128.4M
Charged off36 of 320
Risk tierAverage
Avg rate6.11%
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 Banner Bank originated?
- 320 loans totaling $128.4M. The portfolio carries a 12.9% 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. Banner Bank's rate of 12.9% 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 Banner Bank fund the most?
- The “Top franchise exposures” table above lists the brands Banner Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.