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SBA 7(a) franchise lending portfolio
Centier Bank
GOOD risk
- Total loans
- 87
- Loan volume
- $21.7M
- Avg loan size
- $249K
- Default 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 | — |
| Midas | 5 | $815K | — |
| Erbert & Gerbert's Subs & Club | 4 | $801K | 100.0% |
| Anytime Fitness | 4 | $560K | 0.0% |
| Dairy Queen Montana / North Da | 4 | $647K | 0.0% |
| Subway Sandwich Shop | 3 | $555K | 0.0% |
| Rosati's Pizza | 3 | $553K | 0.0% |
| Parlor Doughnuts | 3 | $1.6M | — |
| Spot Not Car Wash | 2 | $1.1M | 0.0% |
| Jimmy John's | 2 | $515K | 0.0% |
| Dickey's Barbeque | 2 | $150K | 0.0% |
| 1-800 Water Damage | 2 | $215K | 0.0% |
| Aurelios Is Pizza | 2 | $240K | 0.0% |
| DexaFit (Trademark License and | 2 | $279K | 0.0% |
| Board & Brush Creative Studios | 2 | $147K | — |
| Crumbl | 2 | $880K | — |
| Allstate Home Inspection And E | 2 | $293K | — |
| Bombers BBQ | 2 | $810K | — |
| Minuteman Press | 2 | $1.1M | — |
| Powerhouse Gyms | 1 | $50K | 0.0% |
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 default rate by loan vintage
BrandNational avg
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%).