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FranchiseVerdict

SBA 7(a) franchise lending portfolio

Glacier Bank

Risk rating: Good
Total loans
454
Loan volume
$204.9M
Avg loan size
$451K
Charge-off rate
7.0%
vs 16.0% national

Charged off

28

Avg interest

6.22%

Franchises funded

253

Risk rating

Good

Top franchise exposures

FranchiseLoansVolumeCharge-off %
Subway Sandwich Shop11$1.4M0.0% (excellent)
Papa Murphy's Take & Bake Pizz10$1.6M0.0% (excellent)
Dairy Queen9$2.3MN/A
Dutch Bros. Coffee8$2.4MN/A
Mail Boxes Etc. Usa8$919KN/A
Quiznos7$777KN/A
Insty-Prints6$1.3MN/A
Ace Hardware5$1.5MN/A
Hobbytown Usa5$625KN/A
Great Clips5$378KN/A
Baskin-Robbins 31 Ice Cream5$676KN/A
Snap Fitness5$752KN/A
Kneaders Bakery And Cafe5$750KN/A
The Grounds Guys5$167KN/A
Bee Hive Homes5$6.5MN/A
Cold Stone Creamery, Inc.4$381KN/A
Play It Again Sports (retail S4$316KN/A
Texaco Service Station4$2.5MN/A
Americas Best Value Inn (f/K/A4$5.5MN/A

SBA 7(a) · charge-off rate by approval year

Glacier Bank: below all franchise loans in 17 of 19 rated years

Glacier Bank: below all franchise loans in 17 of 19 rated yearsGlacier Bank charge-off rate by loan vintage. 31 approval years, 1992 to 2022; the 19 with at least 10 resolved loans are plotted, against all franchise loans approved the same year. Their rates run from 0.0% to 42.9%.

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
YearResolvedCharged offRate
199280Too few
199360Too few
199461Too few
199560Too few
199670Too few
19971119.1%
199810110.0%
199980Too few
200090Too few
200170Too few
20021000.0%
200319210.5%
20041700.0%
20051516.7%
20061317.7%
200751Too few
200814321.4%
200921942.9%
201017211.8%
20111700.0%
20122813.6%
20132000.0%
20142300.0%
20152414.2%
20161300.0%
201716212.5%
20181516.7%
20191200.0%
202070Too early
202190Too early
202250Too early

Dashed line: all franchise 7(a) loans approved the same year.

Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.

Geographic exposure

Montana
1263.3% (excellent)
Idaho
1186.1% (good)
Utah
5910.9% (average)
Texas
5014.6% (average)
Washington
5014.3% (average)
Nevada
130.0% (excellent)
Arizona
120.0% (excellent)
Colorado
110.0% (excellent)
Wyoming
6N/A
Alaska
3N/A

Portfolio summary

Total funded$204.9M
Charged off28 of 454
Risk tierGood
Avg rate6.22%

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 Glacier Bank originated?
454 loans totaling $204.9M. The portfolio carries a 7.0% 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). 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. Glacier Bank's rate of 7.0% 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 Glacier Bank fund the most?
The “Top franchise exposures” table above lists the brands Glacier 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.