GB
SBA 7(a) franchise lending portfolio
Glacier Bank
GOOD risk
- Total loans
- 454
- Loan volume
- $204.9M
- Avg loan size
- $451K
- Charge-off rate
- 7.0%
- vs 15.4% national avg
Defaults
28
Avg interest
6.22%
Franchises funded
253
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 11 | $1.4M | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 10 | $1.6M | 0.0% (low risk) |
| Dairy Queen | 9 | $2.3M | 0.0% (low risk) |
| Dutch Bros. Coffee | 8 | $2.4M | 0.0% (low risk) |
| Quiznos | 7 | $777K | 42.9% (very high risk) |
| Insty-Prints | 6 | $1.3M | 0.0% (low risk) |
| Ace Hardware | 5 | $1.5M | 0.0% (low risk) |
| Hobbytown Usa | 5 | $625K | 0.0% (low risk) |
| Great Clips | 5 | $378K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 5 | $676K | 0.0% (low risk) |
| Snap Fitness | 5 | $752K | 0.0% (low risk) |
| Kneaders Bakery And Cafe | 5 | $750K | 0.0% (low risk) |
| The Grounds Guys | 5 | $167K | 0.0% (low risk) |
| Bee Hive Homes | 5 | $6.5M | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 4 | $473K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 4 | $381K | 0.0% (low risk) |
| Play It Again Sports (retail S | 4 | $316K | 0.0% (low risk) |
| Texaco Service Station | 4 | $2.5M | 0.0% (low risk) |
| The UPS Store | 4 | $446K | 0.0% (low risk) |
| Americas Best Value Inn (f/K/A | 4 | $5.5M | 0.0% (low risk) |
Lending volume by year
8'92
6
6
6
7
11'97
11
8
9
7
10'02
19
17
15
13
5'07
14
21
17
17
28'12
20
25
27
13
16'17
16
13
13
15
22'22
7
6
5
1'26
Glacier Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$204.9M
Defaults28 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). 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 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.