CB
SBA 7(a) franchise lending portfolio
Centier Bank
GOOD risk
- Total loans
- 87
- Loan volume
- $21.7M
- Avg loan size
- $249K
- Charge-off rate
- 6.1%
- vs 15.4% national avg
Defaults
3
Avg interest
6.75%
Franchises funded
53
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 5 | $1.8M | N/A |
| Midas | 5 | $815K | N/A |
| Erbert & Gerbert's Subs & Club | 4 | $801K | 100.0% (very high risk) |
| Anytime Fitness | 4 | $560K | 0.0% (low risk) |
| Dairy Queen Montana / North Da | 4 | $647K | 0.0% (low risk) |
| Subway Sandwich Shop | 3 | $555K | 0.0% (low risk) |
| Rosati's Pizza | 3 | $553K | 0.0% (low risk) |
| Parlor Doughnuts | 3 | $1.6M | N/A |
| Spot Not Car Wash | 2 | $1.1M | 0.0% (low risk) |
| Jimmy John's | 2 | $515K | 0.0% (low risk) |
| Dickey's Barbeque | 2 | $150K | 0.0% (low risk) |
| 1-800 Water Damage | 2 | $215K | 0.0% (low risk) |
| Aurelios Is Pizza | 2 | $240K | 0.0% (low risk) |
| DexaFit (Trademark License and | 2 | $279K | 0.0% (low risk) |
| Board & Brush Creative Studios | 2 | $147K | N/A |
| Crumbl | 2 | $880K | N/A |
| Allstate Home Inspection And E | 2 | $293K | N/A |
| Bombers BBQ | 2 | $810K | N/A |
| Minuteman Press | 2 | $1.1M | N/A |
| Powerhouse Gyms | 1 | $50K | 0.0% (low risk) |
Lending volume by year
2'92
2
1
1
2
1'01
2
2
1
1
1'07
1
2
1
4
6'16
4
8
4
7
8'21
10
9
3
3
1'26
Centier Bank charge-off rate by loan vintage
BrandNational avg
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 Centier Bank originated?
- 87 loans totaling $21.7M. The portfolio carries a 6.1% charge-off rate, earning a “GOOD” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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 Centier Bank fund the most?
- The “Top franchise exposures” table above lists the brands Centier 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.