JM
SBA 7(a) franchise lending portfolio
John Marshall Bank
CRITICAL risk
- Total loans
- 12
- Loan volume
- $9.1M
- Avg loan size
- $760K
- Charge-off rate
- 100.0%
- vs 15.4% national avg
Defaults
1
Avg interest
10.34%
Franchises funded
8
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Gameday Men's Health/Gameday | 3 | $870K | N/A |
| Paris Baguette | 3 | $5.2M | N/A |
| Foster's Grille | 1 | $475K | 100.0% (very high risk) |
| NerdsToGo | 1 | $150K | N/A |
| Bruster's Real Ice Cream | 1 | $605K | N/A |
| Cinnabon | 1 | $455K | N/A |
| Jet's Pizza | 1 | $968K | N/A |
| The UPS Store (f/k/a Mail Box | 1 | $405K | N/A |
Lending volume by year
1'08
3'23
3'24
5'25
Geographic exposure
12100.0% (very high risk)
Portfolio summary
Total funded$9.1M
Defaults1 of 12
Risk tierCRITICAL
Avg rate10.34%
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 John Marshall Bank originated?
- 12 loans totaling $9.1M. The portfolio carries a 100.0% charge-off rate, earning a “CRITICAL” 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 John Marshall Bank fund the most?
- The “Top franchise exposures” table above lists the brands John Marshall 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.