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SBA 7(a) franchise lending portfolio
Embassy National Bank
GOOD risk
- Total loans
- 136
- Loan volume
- $219.3M
- Avg loan size
- $1.6M
- Default rate
- 5.1%
- vs 15.4% national avg
Defaults
4
Avg interest
5.93%
Franchises funded
75
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn/Quality Suites, Ho | 10 | $16.9M | 0.0% |
| Days Inn | 6 | $7.8M | 0.0% |
| Motel 6 | 5 | $6.8M | 0.0% |
| Travelodge by Wyndham | 5 | $10.5M | 0.0% |
| Days Inn by Wyndham | 5 | $5.8M | 0.0% |
| Quality Inn by Choice Hotels / | 5 | $8.8M | 0.0% |
| Red Roof Inn | 4 | $10.2M | — |
| Econo Lodge by Choice Hotels/E | 4 | $5.7M | 0.0% |
| Microtel Inn & Suites by Wyndh | 3 | $5.5M | 0.0% |
| Knights Inn | 3 | $3.6M | 0.0% |
| Budgetel | 3 | $5.1M | 0.0% |
| The UPS Store (f/k/a Mail Box | 3 | $967K | 0.0% |
| Motel 6 | 3 | $9.0M | 0.0% |
| Baymont by Wyndham aka Baymont | 3 | $3.8M | — |
| Premier Petroleum, Inc - Petro | 2 | $3.3M | 0.0% |
| Key West | 2 | $1.2M | — |
| Sunoco Service Station | 2 | $1.2M | 0.0% |
| Rodeway Inn by Choice Hotels/R | 2 | $3.0M | — |
| Holiday Inn Express/Holiday In | 2 | $4.3M | 0.0% |
| Comfort Inn | 2 | $3.9M | 50.0% |
Lending volume by year
2'07
1'08
3'10
7'11
4'12
1'13
8'14
12'15
8'16
7'17
10'18
24'19
13'20
19'21
10'22
2'23
1'24
4'25
Embassy National Bank default rate by loan vintage
BrandNational avg
Geographic exposure
908.0%
150.0%
110.0%
70.0%
50.0%
30.0%
10.0%
10.0%
10.0%
1—
Portfolio summary
Total funded$219.3M
Defaults4 of 136
Risk tierGOOD
Avg rate5.93%
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%).