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SBA 7(a) franchise lending portfolio
Banner Bank
AVERAGE risk
- Total loans
- 320
- Loan volume
- $128.4M
- Avg loan size
- $401K
- Default rate
- 12.9%
- vs 15.4% national avg
Defaults
36
Avg interest
6.11%
Franchises funded
180
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 22 | $4.6M | 0.0% |
| Dutch Bros. Coffee | 11 | $5.7M | 0.0% |
| Farmer Boys-Brea | 10 | $7.0M | 0.0% |
| Farmer Boys World's Greatest R | 8 | $7.3M | 0.0% |
| Subway | 8 | $1.3M | 0.0% |
| Farmer Boys | 7 | $9.2M | 14.3% |
| Ace Hardware | 6 | $2.6M | 33.3% |
| Farmer Boys | 6 | $6.3M | 0.0% |
| Dairy Queen | 5 | $1.2M | 20.0% |
| Aim Mail Center | 5 | $506K | 0.0% |
| It's A Grind Coffee | 5 | $1.3M | 60.0% |
| Servicemaster Clean | 4 | $914K | 0.0% |
| Subway | 4 | $1.5M | — |
| Chevron (gas Station) | 3 | $4.4M | 0.0% |
| Taco Del Mar | 3 | $402K | 66.7% |
| Bruchi's Cheesesteaks And Subs | 3 | $302K | 0.0% |
| The Pita Pit | 3 | $517K | 0.0% |
| The Human Bean | 3 | $889K | — |
| Cartridge World | 3 | $376K | 0.0% |
| Snap Fitness | 3 | $686K | 0.0% |
Lending volume by year
4'92
6
9
3
6
3'98
1
2
2
12
14'03
16
21
17
16
10'08
5
1
7
9
24'13
22
20
11
7
11'18
11
9
14
9
7'23
3
8'25
Banner Bank default rate by loan vintage
BrandNational avg
Geographic exposure
16512.8%
8114.7%
304.3%
225.3%
90.0%
525.0%
425.0%
366.7%
1100.0%
Portfolio summary
Total funded$128.4M
Defaults36 of 320
Risk tierAVERAGE
Avg rate6.11%
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%).