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SBA 7(a) franchise lending portfolio
BNC National Bank
AVERAGE risk
- Total loans
- 60
- Loan volume
- $28.3M
- Avg loan size
- $472K
- Default rate
- 14.6%
- vs 15.4% national avg
Defaults
7
Avg interest
6.48%
Franchises funded
42
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Firehouse Subs | 5 | $1.6M | 0.0% |
| Taco Del Mar | 3 | $391K | 0.0% |
| Pita Jungle | 3 | $1.9M | 0.0% |
| Dairy Queen Grill & Chill/Texa | 3 | $2.6M | 0.0% |
| Padgett Business Service | 2 | $363K | 0.0% |
| Molly Maid | 2 | $186K | 0.0% |
| Club Pilates | 2 | $583K | 0.0% |
| MAACO Auto Painting Center | 2 | $424K | 0.0% |
| Synergy Homecare | 2 | $570K | 0.0% |
| Alamo Intermediate II Holdings | 2 | $3.2M | — |
| DQ of Southern Arizona Store O | 2 | $176K | 0.0% |
| FirstLight HomeCare | 2 | $150K | — |
| Inacomp Computer Center | 1 | $377K | 100.0% |
| We Care Hair | 1 | $71K | 100.0% |
| Hungry Howie's | 1 | $290K | 100.0% |
| Kid To Kid | 1 | $138K | 0.0% |
| The Blind Man | 1 | $75K | 0.0% |
| Rosati's Pizza | 1 | $130K | 100.0% |
| Always Best Care Senior Servic | 1 | $105K | 0.0% |
| Mainstream Boutique | 1 | $250K | 0.0% |
Lending volume by year
1'96
1
1
1
1
1'07
2
1
6
4
9'13
6
3
6
3
4'18
2
2
1
1
4'25
BNC National Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$28.3M
Defaults7 of 60
Risk tierAVERAGE
Avg rate6.48%
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%).