FB
SBA 7(a) franchise lending portfolio
FFB Bank
CRITICAL risk
- Total loans
- 32
- Loan volume
- $18.4M
- Avg loan size
- $574K
- Charge-off rate
- 21.4%
- vs 15.4% national avg
Defaults
3
Avg interest
7.41%
Franchises funded
24
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Crumbl | 4 | $2.6M | 0.0% (low risk) |
| Wingstop | 2 | $550K | 0.0% (low risk) |
| Servpro | 2 | $150K | 0.0% (low risk) |
| Van De Pol Enterprises, Inc. ( | 2 | $4.2M | N/A |
| Allegra | 2 | $1.9M | N/A |
| Stretch Lab | 2 | $695K | N/A |
| Plato's Closet | 1 | $285K | N/A |
| Firehouse Subs | 1 | $288K | 100.0% (very high risk) |
| Batteries Plus Bulbs | 1 | $224K | 0.0% (low risk) |
| Courtyard By Marriott | 1 | $650K | 0.0% (low risk) |
| Rally's | 1 | $125K | 0.0% (low risk) |
| The Bar Method | 1 | $320K | 100.0% (very high risk) |
| General Nutrition Centers/Gnc | 1 | $106K | 0.0% (low risk) |
| Deli Delicious | 1 | $290K | 100.0% (very high risk) |
| Togo's Eatery | 1 | $200K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $198K | 0.0% (low risk) |
| Sullivan Petroleum Company (Sh | 1 | $1.8M | N/A |
| Gameday Men's Health/Gameday | 1 | $300K | N/A |
| The Red Chickz | 1 | $323K | N/A |
| Hand and Stone Massage and Fac | 1 | $751K | N/A |
Lending volume by year
1'11
2'12
1'14
3'15
4'16
1'17
1'18
2'19
2'21
4'22
5'23
4'24
2'25
Geographic exposure
3021.4% (very high risk)
2N/A
Portfolio summary
Total funded$18.4M
Defaults3 of 32
Risk tierCRITICAL
Avg rate7.41%
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 FFB Bank originated?
- 32 loans totaling $18.4M. The portfolio carries a 21.4% charge-off rate, earning a “CRITICAL” 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 FFB Bank fund the most?
- The “Top franchise exposures” table above lists the brands FFB 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.