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SBA 7(a) franchise lending portfolio
Home Bank, National Association
EXCELLENT risk
- Total loans
- 75
- Loan volume
- $120.3M
- Avg loan size
- $1.6M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.87%
Franchises funded
53
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Shell Service Station | 6 | $9.7M | 0.0% |
| Chevron (gas Station) | 5 | $6.7M | 0.0% |
| Exxon | 5 | $8.0M | 0.0% |
| Americas Best Value Inn (f/K/A | 2 | $4.0M | — |
| Conoco Service Station | 2 | $3.3M | 0.0% |
| Super 8 | 2 | $3.7M | 0.0% |
| Red Roof Inn | 2 | $4.7M | 0.0% |
| Valero | 2 | $2.4M | 0.0% |
| Anytime Fitness | 2 | $260K | 0.0% |
| Texaco Service Station | 2 | $2.4M | 0.0% |
| Massage Heights | 2 | $1.4M | 0.0% |
| Classic Star Group (Distributo | 2 | $5.6M | 0.0% |
| Budget Blinds | 1 | $120K | 0.0% |
| Gymboree | 1 | $92K | 0.0% |
| Time + Plus Payroll Services | 1 | $150K | 0.0% |
| Quality Inn/Quality Suites, Ho | 1 | $1.9M | 0.0% |
| Huddle House | 1 | $250K | 0.0% |
| ExtraMile Convenience Stores, | 1 | $3.1M | 0.0% |
| Knights Inn | 1 | $1.1M | 0.0% |
| Suburban Extended Stay Hotel | 1 | $1.9M | 0.0% |
Lending volume by year
2'07
1'08
1'10
1'11
4'13
10'14
8'15
12'16
11'17
7'18
5'19
3'20
6'21
1'22
2'23
1'24
Home Bank, National Association 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%).