CN
SBA 7(a) franchise lending portfolio
Consumers National Bank
EXCELLENT risk
- Total loans
- 20
- Loan volume
- $5.5M
- Avg loan size
- $273K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.83%
Franchises funded
16
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jersey Mike's | 4 | $1.9M | 0.0% (low risk) |
| Payroll Vault | 2 | $65K | 0.0% (low risk) |
| Pump It Up | 1 | $150K | 0.0% (low risk) |
| Gionino's Pizzeria, Inc. | 1 | $102K | 0.0% (low risk) |
| Sign-A-Rama | 1 | $65K | 0.0% (low risk) |
| Moe's Southwest Grill | 1 | $509K | N/A |
| Floorcoverings International | 1 | $100K | 0.0% (low risk) |
| Giordano's Pizza | 1 | $205K | 0.0% (low risk) |
| Jimmy John's | 1 | $420K | 0.0% (low risk) |
| H&r Block | 1 | $132K | N/A |
| Beerhead Bar & Eatery | 1 | $400K | N/A |
| Moe's Southwest Grill | 1 | $360K | N/A |
| Pure Barre | 1 | $212K | N/A |
| Gionino's Pizzeria | 1 | $250K | 0.0% (low risk) |
| Visiting Angels | 1 | $482K | N/A |
| Health Mart Pharmacy | 1 | $75K | N/A |
Lending volume by year
1'03
1'08
1'10
1'16
5'17
3'18
1'19
1'21
3'22
2'23
1'25
Geographic exposure
200.0% (low risk)
Portfolio summary
Total funded$5.5M
Defaults0 of 20
Risk tierEXCELLENT
Avg rate5.83%
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 Consumers National Bank originated?
- 20 loans totaling $5.5M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Consumers National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Consumers National 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.