CB
SBA 7(a) franchise lending portfolio
Centier Bank
Risk rating: Good
- Total loans
- 87
- Loan volume
- $21.7M
- Avg loan size
- $249K
- Charge-off rate
- 6.1%
- vs 16.0% national
Charged off
3
Avg interest
6.75%
Franchises funded
53
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| 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 | N/A |
| Anytime Fitness | 4 | $560K | N/A |
| Dairy Queen Montana / North Da | 4 | $647K | N/A |
| Subway Sandwich Shop | 3 | $555K | N/A |
| Rosati's Pizza | 3 | $553K | N/A |
| Parlor Doughnuts | 3 | $1.6M | N/A |
| Spot Not Car Wash | 2 | $1.1M | N/A |
| Jimmy John's | 2 | $515K | N/A |
| Dickey's Barbeque | 2 | $150K | N/A |
| 1-800 Water Damage | 2 | $215K | N/A |
| Aurelios Is Pizza | 2 | $240K | N/A |
| DexaFit (Trademark License and | 2 | $279K | N/A |
| 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 | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 2 |
| FY1994 | 1 |
| FY1995 | 1 |
| FY1996 | 2 |
| FY2001 | 1 |
| FY2002 | 2 |
| FY2003 | 2 |
| FY2004 | 1 |
| FY2005 | 1 |
| FY2007 | 1 |
| FY2008 | 1 |
| FY2010 | 2 |
| FY2012 | 1 |
| FY2015 | 4 |
| FY2016 | 6 |
| FY2017 | 4 |
| FY2018 | 8 |
| FY2019 | 4 |
| FY2020 | 7 |
| FY2021 | 8 |
| FY2022 | 10 |
| FY2023 | 9 |
| FY2024 | 3 |
| FY2025 | 3 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Centier Bank charge-off rate by loan vintage
None of these 6 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2015 | 4 | 0 | Too few |
| 2016 | 5 | 0 | Too few |
| 2017 | 4 | 1 | Too few |
| 2018 | 4 | 1 | Too few |
| 2019 | 4 | 0 | Too few |
| 2020 | 3 | 0 | Too early |
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.
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). 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. Centier Bank's rate of 6.1% 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 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.