FN
SBA 7(a) franchise lending portfolio
First National Bank of Omaha
AVERAGE risk
- Total loans
- 267
- Loan volume
- $73.4M
- Avg loan size
- $275K
- Charge-off rate
- 12.5%
- vs 15.4% national avg
Defaults
29
Avg interest
5.99%
Franchises funded
170
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 10 | $888K | 0.0% (low risk) |
| Jimmy John's | 9 | $3.1M | 0.0% (low risk) |
| Lash and Company | 7 | $564K | 0.0% (low risk) |
| Jimmy John's | 5 | $2.4M | 0.0% (low risk) |
| Firehouse Subs | 5 | $1.2M | 20.0% (very high risk) |
| Great Clips | 4 | $971K | 0.0% (low risk) |
| Tcby | 4 | $880K | 0.0% (low risk) |
| Blimpie | 3 | $358K | 33.3% (very high risk) |
| Mr. Goodcents Sub' And Pasta | 3 | $389K | 0.0% (low risk) |
| Curves For Women | 3 | $135K | 33.3% (very high risk) |
| Sam & Louie's New York Pizza | 3 | $235K | 66.7% (very high risk) |
| Scooters Java Express | 3 | $325K | 0.0% (low risk) |
| Home Instead Senior Care | 3 | $1.9M | 0.0% (low risk) |
| Tropical Smoothie | 3 | $515K | 0.0% (low risk) |
| Scooter's Coffeehouse | 3 | $794K | 0.0% (low risk) |
| The Halal Guys | 3 | $1.2M | 0.0% (low risk) |
| Anytime Fitness | 3 | $1.5M | 33.3% (very high risk) |
| Potbelly Sandwich Works | 3 | $1.4M | 0.0% (low risk) |
| Murphy's Deli | 3 | $540K | 0.0% (low risk) |
| Firehouse Subs | 3 | $1.3M | N/A |
Lending volume by year
3'92
4
2
8
4
3'97
3
1
5
9
5'02
9
11
11
5
11'07
10
7
8
8
13'12
11
18
15
10
9'17
10
12
4
9
9'22
7
9
3
1'26
First National Bank of Omaha charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$73.4M
Defaults29 of 267
Risk tierAVERAGE
Avg rate5.99%
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). 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 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.