EN
SBA 7(a) franchise lending portfolio
Embassy National Bank
GOOD risk
- Total loans
- 136
- Loan volume
- $219.3M
- Avg loan size
- $1.6M
- Charge-off 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% (low risk) |
| Days Inn | 6 | $7.8M | 0.0% (low risk) |
| Motel 6 | 5 | $6.8M | 0.0% (low risk) |
| Travelodge by Wyndham | 5 | $10.5M | 0.0% (low risk) |
| Days Inn by Wyndham | 5 | $5.8M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 5 | $8.8M | 0.0% (low risk) |
| Red Roof Inn | 4 | $10.2M | N/A |
| Econo Lodge by Choice Hotels/E | 4 | $5.7M | 0.0% (low risk) |
| Microtel Inn & Suites by Wyndh | 3 | $5.5M | 0.0% (low risk) |
| Knights Inn | 3 | $3.6M | 0.0% (low risk) |
| Budgetel | 3 | $5.1M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 3 | $967K | 0.0% (low risk) |
| Motel 6 | 3 | $9.0M | 0.0% (low risk) |
| Baymont by Wyndham aka Baymont | 3 | $3.8M | N/A |
| Premier Petroleum, Inc - Petro | 2 | $3.3M | 0.0% (low risk) |
| Key West | 2 | $1.2M | N/A |
| Sunoco Service Station | 2 | $1.2M | 0.0% (low risk) |
| Rodeway Inn by Choice Hotels/R | 2 | $3.0M | N/A |
| Holiday Inn Express/Holiday In | 2 | $4.3M | 0.0% (low risk) |
| Comfort Inn | 2 | $3.9M | 50.0% (very high risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
908.0% (moderate risk)
150.0% (low risk)
110.0% (low risk)
70.0% (low risk)
50.0% (low risk)
30.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
1N/A
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
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). 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 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.