HW
SBA 7(a) franchise lending portfolio
Hancock Whitney Bank
Risk rating: Average
- Total loans
- 333
- Loan volume
- $98.1M
- Avg loan size
- $294K
- Charge-off rate
- 11.7%
- vs 16.0% national
Charged off
29
Avg interest
7.52%
Franchises funded
177
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 34 | $3.8M | 0.0% (excellent) |
| Smoothie King (health Food Sto | 12 | $1.6M | 0.0% (excellent) |
| Quiznos | 10 | $1.5M | 20.0% (high risk) |
| Firehouse Subs | 9 | $1.3M | N/A |
| Mail Boxes Etc. Usa | 8 | $1.2M | N/A |
| Anytime Fitness | 6 | $974K | N/A |
| Servpro | 5 | $387K | N/A |
| PrimoHoagies | 5 | $2.0M | N/A |
| Planet Beach | 4 | $366K | N/A |
| Sweet Paris Creperie & Cafe | 4 | $4.1M | N/A |
| Chicken Salad Chick | 4 | $3.3M | N/A |
| Christian Brothers Automotive | 4 | $1.1M | N/A |
| iCRYO Franchise System LLC | 4 | $3.6M | N/A |
| Merle Norman Cosmetics | 3 | $130K | N/A |
| Norwalk Furniture Idea | 3 | $580K | N/A |
| P J's Coffee And Tea Cafe | 3 | $345K | N/A |
| Wow Cafe And Wingery | 3 | $370K | N/A |
| Cici's Pizza | 3 | $1.1M | N/A |
| AAMCO Transmissions | 3 | $652K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 3 |
| FY1993 | 7 |
| FY1994 | 9 |
| FY1995 | 12 |
| FY1996 | 9 |
| FY1997 | 5 |
| FY1998 | 2 |
| FY1999 | 7 |
| FY2000 | 10 |
| FY2001 | 9 |
| FY2002 | 14 |
| FY2003 | 20 |
| FY2004 | 25 |
| FY2005 | 12 |
| FY2006 | 6 |
| FY2007 | 7 |
| FY2008 | 15 |
| FY2009 | 10 |
| FY2010 | 8 |
| FY2011 | 13 |
| FY2012 | 3 |
| FY2013 | 4 |
| FY2014 | 6 |
| FY2015 | 5 |
| FY2016 | 11 |
| FY2017 | 11 |
| FY2018 | 4 |
| FY2019 | 8 |
| FY2020 | 2 |
| FY2021 | 6 |
| FY2022 | 10 |
| FY2023 | 13 |
| FY2024 | 16 |
| FY2025 | 26 |
| FY2026 | 5 |
SBA 7(a) · charge-off rate by approval year
Hancock Whitney Bank: below all franchise loans in 9 of 11 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 3 | 0 | Too few |
| 1993 | 7 | 0 | Too few |
| 1994 | 9 | 1 | Too few |
| 1995 | 12 | 1 | 8.3% |
| 1996 | 9 | 1 | Too few |
| 1997 | 5 | 0 | Too few |
| 1999 | 7 | 0 | Too few |
| 2000 | 10 | 1 | 10.0% |
| 2001 | 9 | 1 | Too few |
| 2002 | 14 | 1 | 7.1% |
| 2003 | 20 | 2 | 10.0% |
| 2004 | 25 | 4 | 16.0% |
| 2005 | 12 | 1 | 8.3% |
| 2006 | 6 | 1 | Too few |
| 2007 | 7 | 3 | Too few |
| 2008 | 15 | 5 | 33.3% |
| 2009 | 10 | 3 | 30.0% |
| 2010 | 8 | 0 | Too few |
| 2011 | 13 | 0 | 0.0% |
| 2012 | 3 | 1 | Too few |
| 2013 | 4 | 0 | Too few |
| 2014 | 6 | 1 | Too few |
| 2015 | 4 | 0 | Too few |
| 2016 | 11 | 1 | 9.1% |
| 2017 | 10 | 1 | 10.0% |
| 2019 | 3 | 0 | Too few |
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.
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 Hancock Whitney Bank originated?
- 333 loans totaling $98.1M. The portfolio carries a 11.7% 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. Hancock Whitney Bank's rate of 11.7% 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 Hancock Whitney Bank fund the most?
- The “Top franchise exposures” table above lists the brands Hancock Whitney 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.