FF
SBA 7(a) franchise lending portfolio
First Financial Bank, National Association
GOOD risk
- Total loans
- 36
- Loan volume
- $14.5M
- Avg loan size
- $404K
- Charge-off rate
- 9.4%
- vs 15.4% national avg
Defaults
3
Avg interest
6.44%
Franchises funded
32
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Bw-3 (buffalo Wings And Weck) | 2 | $635K | 0.0% (low risk) |
| Super 8 Motel | 2 | $2.7M | 0.0% (low risk) |
| J. Gumbo's | 2 | $105K | 0.0% (low risk) |
| Fastsigns | 2 | $350K | N/A |
| Taco Time | 1 | $104K | 0.0% (low risk) |
| Petland | 1 | $110K | 0.0% (low risk) |
| Midas Muffler Shop | 1 | $575K | 0.0% (low risk) |
| Schlotzsky's Sandwich Shop | 1 | $99K | 0.0% (low risk) |
| Roly Poly Rolled Sandwiches | 1 | $72K | 0.0% (low risk) |
| Burger King | 1 | $250K | 0.0% (low risk) |
| Grease Monkey | 1 | $288K | 100.0% (very high risk) |
| Complete Nutrition | 1 | $172K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 1 | $280K | 0.0% (low risk) |
| Renaissance Realty | 1 | $61K | 0.0% (low risk) |
| Donut Connection | 1 | $185K | 100.0% (very high risk) |
| Hardwood Floor Renewal | 1 | $35K | 0.0% (low risk) |
| Workout Anytime | 1 | $279K | N/A |
| Board & Brush Creative Studios | 1 | $65K | 0.0% (low risk) |
| Sign-A-Rama | 1 | $125K | 0.0% (low risk) |
| Benjamin Franklin Certified Pl | 1 | $209K | 0.0% (low risk) |
Lending volume by year
1'92
2
1
1
1
1'01
1
1
2
1
2'09
4
3
3
1
1'15
1
5
1
1
2'25
First Financial Bank, National Association charge-off rate by loan vintage
BrandNational avg
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 First Financial Bank, National Association originated?
- 36 loans totaling $14.5M. The portfolio carries a 9.4% 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 First Financial Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands First Financial Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.