SBA 7(a) franchise lending portfolio
Embassy National Bank
- Total loans
- 136
- Loan volume
- $219.3M
- Avg loan size
- $1.6M
- Charge-off rate
- 5.1%
- vs 16.0% national
Charged off
4
Avg interest
5.93%
Franchises funded
75
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Days Inn | 11 | $13.6M | N/A |
| Quality Inn/Quality Suites, Ho | 10 | $16.9M | N/A |
| Motel 6 | 8 | $15.8M | N/A |
| Travelodge by Wyndham | 5 | $10.5M | N/A |
| Quality Inn by Choice Hotels / | 5 | $8.8M | N/A |
| Red Roof Inn | 4 | $10.2M | N/A |
| Econo Lodge by Choice Hotels/E | 4 | $5.7M | N/A |
| Microtel Inn & Suites by Wyndh | 3 | $5.5M | N/A |
| Knights Inn | 3 | $3.6M | N/A |
| Budgetel | 3 | $5.1M | N/A |
| The UPS Store (f/k/a Mail Box | 3 | $967K | N/A |
| Baymont by Wyndham aka Baymont | 3 | $3.8M | N/A |
| Premier Petroleum, Inc - Petro | 2 | $3.3M | N/A |
| Key West | 2 | $1.2M | N/A |
| Sunoco Service Station | 2 | $1.2M | N/A |
| Rodeway Inn by Choice Hotels/R | 2 | $3.0M | N/A |
| Holiday Inn Express/Holiday In | 2 | $4.3M | N/A |
| Comfort Inn | 2 | $3.9M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2007 | 2 |
| FY2008 | 1 |
| FY2010 | 3 |
| FY2011 | 7 |
| FY2012 | 4 |
| FY2013 | 1 |
| FY2014 | 8 |
| FY2015 | 12 |
| FY2016 | 8 |
| FY2017 | 7 |
| FY2018 | 10 |
| FY2019 | 24 |
| FY2020 | 13 |
| FY2021 | 19 |
| FY2022 | 10 |
| FY2023 | 2 |
| FY2024 | 1 |
| FY2025 | 4 |
SBA 7(a) · charge-off rate by approval year
Embassy National Bank: no charge-offs among resolved loans in the 2 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2011 | 7 | 1 | Too few |
| 2012 | 4 | 0 | Too few |
| 2014 | 7 | 0 | Too few |
| 2015 | 12 | 0 | 0.0% |
| 2016 | 7 | 0 | Too few |
| 2017 | 3 | 0 | Too few |
| 2018 | 6 | 0 | Too few |
| 2019 | 13 | 0 | 0.0% |
| 2020 | 4 | 0 | Too early |
| 2021 | 9 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 Embassy National Bank originated?
- 136 loans totaling $219.3M. The portfolio carries a 5.1% 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. Embassy National Bank's rate of 5.1% 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 Embassy National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Embassy 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.