FB
SBA 7(a) franchise lending portfolio
FNB Bank, Inc.
GOOD risk
- Total loans
- 20
- Loan volume
- $4.3M
- Avg loan size
- $213K
- Charge-off rate
- 6.3%
- vs 15.4% national avg
Defaults
1
Avg interest
6.18%
Franchises funded
15
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servicemaster | 2 | $165K | 0.0% (low risk) |
| The UPS Store | 2 | $55K | 0.0% (low risk) |
| Popeye's Famous Fried Chicken | 2 | $190K | 0.0% (low risk) |
| Dairy Queen Frozen Treat Cente | 2 | $225K | 0.0% (low risk) |
| Subway | 2 | $345K | N/A |
| Barbizon School Of (territory) | 1 | $24K | 100.0% (very high risk) |
| Fox's Pizza Den | 1 | $150K | 0.0% (low risk) |
| Merle Norman Cosmetics | 1 | $47K | 0.0% (low risk) |
| Snap Fitness | 1 | $150K | 0.0% (low risk) |
| Mcalister's Gourmet Deli | 1 | $220K | 0.0% (low risk) |
| Little Ceasar's Pizza | 1 | $300K | 0.0% (low risk) |
| Taco John's | 1 | $420K | 0.0% (low risk) |
| Line-X | 1 | $75K | 0.0% (low risk) |
| Fox's Pizza Den | 1 | $497K | N/A |
| Super 8 by Wyndhan | 1 | $1.4M | N/A |
Lending volume by year
1'95
1'03
1'04
1'05
3'09
1'10
1'11
1'12
3'13
2'15
2'21
3'23
Geographic exposure
130.0% (low risk)
40.0% (low risk)
20.0% (low risk)
1100.0% (very high risk)
Portfolio summary
Total funded$4.3M
Defaults1 of 20
Risk tierGOOD
Avg rate6.18%
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 FNB Bank, Inc. originated?
- 20 loans totaling $4.3M. The portfolio carries a 6.3% 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 FNB Bank, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands FNB Bank, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.