SBA 7(a) franchise lending portfolio
First National Bank of Omaha
- Total loans
- 267
- Loan volume
- $73.4M
- Avg loan size
- $275K
- Charge-off rate
- 12.5%
- vs 16.0% national
Charged off
29
Avg interest
5.99%
Franchises funded
170
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Jimmy John's | 14 | $5.5M | 0.0% (excellent) |
| Subway Sandwich Shop | 10 | $888K | 0.0% (excellent) |
| Firehouse Subs | 8 | $2.5M | N/A |
| Lash and Company | 7 | $564K | N/A |
| Great Clips | 4 | $971K | N/A |
| Tcby | 4 | $880K | N/A |
| Blimpie | 3 | $358K | N/A |
| Mr. Goodcents Sub' And Pasta | 3 | $389K | N/A |
| Curves For Women | 3 | $135K | N/A |
| Sam & Louie's New York Pizza | 3 | $235K | N/A |
| Scooters Java Express | 3 | $325K | N/A |
| Home Instead Senior Care | 3 | $1.9M | N/A |
| Tropical Smoothie | 3 | $515K | N/A |
| Scooter's Coffeehouse | 3 | $794K | N/A |
| The Halal Guys | 3 | $1.2M | N/A |
| Anytime Fitness | 3 | $1.5M | N/A |
| Potbelly Sandwich Works | 3 | $1.4M | N/A |
| Murphy's Deli | 3 | $540K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 3 |
| FY1993 | 4 |
| FY1994 | 2 |
| FY1995 | 8 |
| FY1996 | 4 |
| FY1997 | 3 |
| FY1998 | 3 |
| FY1999 | 1 |
| FY2000 | 5 |
| FY2001 | 9 |
| FY2002 | 5 |
| FY2003 | 9 |
| FY2004 | 11 |
| FY2005 | 11 |
| FY2006 | 5 |
| FY2007 | 11 |
| FY2008 | 10 |
| FY2009 | 7 |
| FY2010 | 8 |
| FY2011 | 8 |
| FY2012 | 13 |
| FY2013 | 11 |
| FY2014 | 18 |
| FY2015 | 15 |
| FY2016 | 10 |
| FY2017 | 9 |
| FY2018 | 10 |
| FY2019 | 12 |
| FY2020 | 4 |
| FY2021 | 9 |
| FY2022 | 9 |
| FY2023 | 7 |
| FY2024 | 9 |
| FY2025 | 3 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
First National Bank of Omaha: below all franchise loans in 5 of 8 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 |
|---|---|---|---|
| 1992 | 3 | 0 | Too few |
| 1993 | 4 | 0 | Too few |
| 1995 | 8 | 1 | Too few |
| 1996 | 4 | 1 | Too few |
| 1997 | 3 | 0 | Too few |
| 1998 | 3 | 0 | Too few |
| 2000 | 5 | 2 | Too few |
| 2001 | 9 | 1 | Too few |
| 2002 | 5 | 1 | Too few |
| 2003 | 9 | 1 | Too few |
| 2004 | 11 | 2 | 18.2% |
| 2005 | 11 | 2 | 18.2% |
| 2006 | 5 | 3 | Too few |
| 2007 | 11 | 1 | 9.1% |
| 2008 | 10 | 5 | 50.0% |
| 2009 | 7 | 0 | Too few |
| 2010 | 8 | 1 | Too few |
| 2011 | 8 | 0 | Too few |
| 2012 | 13 | 1 | 7.7% |
| 2013 | 11 | 2 | 18.2% |
| 2014 | 18 | 1 | 5.6% |
| 2015 | 14 | 1 | 7.1% |
| 2016 | 8 | 0 | Too few |
| 2017 | 8 | 0 | Too few |
| 2018 | 8 | 1 | Too few |
| 2019 | 8 | 0 | Too few |
| 2021 | 4 | 0 | Too early |
| 2022 | 7 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
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 National Bank of Omaha originated?
- 267 loans totaling $73.4M. The portfolio carries a 12.5% charge-off rate, earning a “Average” 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. First National Bank of Omaha's rate of 12.5% 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 First National Bank of Omaha fund the most?
- The “Top franchise exposures” table above lists the brands First National Bank of Omaha has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.