NB
SBA 7(a) franchise lending portfolio
NBT Bank, National Association
Risk rating: Average
- Total loans
- 94
- Loan volume
- $13.8M
- Avg loan size
- $147K
- Charge-off rate
- 14.1%
- vs 16.0% national
Charged off
12
Avg interest
5.95%
Franchises funded
58
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 11 | $1.6M | 0.0% (excellent) |
| Snap-On-Tools | 4 | $124K | N/A |
| Arby's | 4 | $455K | N/A |
| Great Clips | 4 | $280K | N/A |
| Dickey's Barbecue Pit | 4 | $523K | N/A |
| Matco Tools (rent Tools) | 3 | $70K | N/A |
| Servpro | 3 | $424K | N/A |
| Camp Bow Wow | 3 | $570K | N/A |
| Burger King | 3 | $585K | N/A |
| Century 21 | 2 | $294K | N/A |
| Kentucky Fried Chicken | 2 | $650K | N/A |
| Dairy Queen | 2 | $315K | N/A |
| 1-800-Radiator | 2 | $135K | N/A |
| Edible Arrangements | 2 | $281K | N/A |
| The Goddard School | 2 | $827K | N/A |
| Home Helpers | 2 | $89K | N/A |
| Batteries Plus Bulbs | 2 | $300K | N/A |
| Signs By Tomorrow | 1 | $125K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 2 |
| FY1994 | 1 |
| FY1995 | 4 |
| FY1996 | 2 |
| FY1997 | 1 |
| FY1999 | 2 |
| FY2001 | 2 |
| FY2002 | 3 |
| FY2003 | 2 |
| FY2004 | 3 |
| FY2005 | 3 |
| FY2007 | 5 |
| FY2008 | 3 |
| FY2009 | 1 |
| FY2010 | 5 |
| FY2011 | 7 |
| FY2012 | 7 |
| FY2013 | 8 |
| FY2014 | 6 |
| FY2015 | 5 |
| FY2016 | 4 |
| FY2017 | 4 |
| FY2018 | 5 |
| FY2020 | 2 |
| FY2021 | 1 |
| FY2022 | 2 |
| FY2023 | 1 |
| FY2025 | 1 |
SBA 7(a) · charge-off rate by approval year
NBT Bank, National Association charge-off rate by loan vintage
None of these 15 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1995 | 4 | 1 | Too few |
| 2002 | 3 | 1 | Too few |
| 2004 | 3 | 0 | Too few |
| 2005 | 3 | 0 | Too few |
| 2007 | 5 | 2 | Too few |
| 2008 | 3 | 1 | Too few |
| 2010 | 5 | 0 | Too few |
| 2011 | 7 | 0 | Too few |
| 2012 | 7 | 1 | Too few |
| 2013 | 8 | 1 | Too few |
| 2014 | 6 | 0 | Too few |
| 2015 | 5 | 0 | Too few |
| 2016 | 3 | 1 | Too few |
| 2017 | 4 | 2 | Too few |
| 2018 | 4 | 1 | Too few |
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.
Geographic exposure
6015.1% (elevated)
156.7% (good)
8N/A
5N/A
4N/A
1N/A
1N/A
Portfolio summary
Total funded$13.8M
Charged off12 of 94
Risk tierAverage
Avg rate5.95%
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 NBT Bank, National Association originated?
- 94 loans totaling $13.8M. The portfolio carries a 14.1% 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. NBT Bank, National Association's rate of 14.1% 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 NBT Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands NBT Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.