![Hancock Whitney Bank logo](https://cdn.brandfetch.io/hancockwhitneybank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Hancock Whitney Bank
AVERAGE risk
- Total loans
- 333
- Loan volume
- $98.1M
- Avg loan size
- $294K
- Default rate
- 11.7%
- vs 15.4% national avg
Defaults
29
Avg interest
7.52%
Franchises funded
177
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 34 | $3.8M | 0.0% |
| Smoothie King (health Food Sto | 12 | $1.6M | 0.0% |
| Quiznos | 10 | $1.5M | 20.0% |
| Firehouse Subs | 9 | $1.3M | 0.0% |
| Anytime Fitness | 6 | $974K | 0.0% |
| Servpro | 5 | $387K | 0.0% |
| PrimoHoagies | 5 | $2.0M | — |
| Mail Boxes Etc. Usa | 4 | $515K | 0.0% |
| UPS Store | 4 | $697K | 0.0% |
| Planet Beach | 4 | $366K | 0.0% |
| Sweet Paris Creperie & Cafe | 4 | $4.1M | — |
| Chicken Salad Chick | 4 | $3.3M | — |
| Christian Brothers Automotive | 4 | $1.1M | 0.0% |
| iCRYO Franchise System LLC | 4 | $3.6M | — |
| Merle Norman Cosmetics | 3 | $130K | 0.0% |
| Norwalk Furniture Idea | 3 | $580K | 0.0% |
| P J's Coffee And Tea Cafe | 3 | $345K | 0.0% |
| Wow Cafe And Wingery | 3 | $370K | 66.7% |
| Cici's Pizza | 3 | $1.1M | 66.7% |
| AAMCO Transmissions | 3 | $652K | 0.0% |
Lending volume by year
3'92
7
9
12
9
5'97
2
7
10
9
14'02
20
25
12
6
7'07
15
10
8
13
3'12
4
6
5
11
11'17
4
8
2
6
10'22
13
16
26
5'26
Hancock Whitney Bank default rate by loan vintage
BrandNational avg
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).