JB
SBA 7(a) franchise lending portfolio
Johnson Bank
GOOD risk
- Total loans
- 18
- Loan volume
- $4.5M
- Avg loan size
- $249K
- Charge-off rate
- 6.7%
- vs 15.4% national avg
Defaults
1
Avg interest
5.54%
Franchises funded
14
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 4 | $420K | 0.0% (low risk) |
| Red Wing Shoes | 2 | $130K | 0.0% (low risk) |
| Pizza Pit | 1 | $161K | N/A |
| Kentucky Fried Chicken | 1 | $82K | 0.0% (low risk) |
| Sylvan Learning Center | 1 | $250K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $150K | 0.0% (low risk) |
| Heavenly Hams | 1 | $130K | 0.0% (low risk) |
| Persona Wood Fired Pizzeria | 1 | $160K | 100.0% (very high risk) |
| Fuddrucker's | 1 | $861K | 0.0% (low risk) |
| Weed Man | 1 | $75K | 0.0% (low risk) |
| Koala Center For Sleep Disorde | 1 | $135K | 0.0% (low risk) |
| Zland | 1 | $220K | 0.0% (low risk) |
| Jimmy John's | 1 | $1.5M | N/A |
| Dairy Queen Operating Agreemen | 1 | $180K | N/A |
Lending volume by year
3'93
3'94
1'00
2'04
2'08
1'10
3'14
1'18
2'22
Geographic exposure
186.7% (moderate risk)
Portfolio summary
Total funded$4.5M
Defaults1 of 18
Risk tierGOOD
Avg rate5.54%
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 Johnson Bank originated?
- 18 loans totaling $4.5M. The portfolio carries a 6.7% 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 Johnson Bank fund the most?
- The “Top franchise exposures” table above lists the brands Johnson 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.