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SBA 7(a) franchise lending portfolio
Neighborhood National Bank
AVERAGE risk
- Total loans
- 26
- Loan volume
- $9.3M
- Avg loan size
- $360K
- Charge-off rate
- 12.5%
- vs 15.4% national avg
Defaults
2
Avg interest
8.11%
Franchises funded
15
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Minuteman Press | 5 | $3.4M | N/A |
| Baskin-Robbins | 3 | $1.4M | 50.0% (very high risk) |
| Blimpie | 2 | $445K | 0.0% (low risk) |
| Submarina Sandwiches | 2 | $439K | 0.0% (low risk) |
| Chevron (gas Station) | 2 | $1.1M | 0.0% (low risk) |
| Aire Serv | 2 | $184K | 0.0% (low risk) |
| Chevron - Retail Supply Contra | 2 | $483K | N/A |
| Planet Smoothie | 1 | $166K | 0.0% (low risk) |
| Foster Freeze | 1 | $574K | 0.0% (low risk) |
| Texaco Service Station | 1 | $252K | 0.0% (low risk) |
| Steak Escape | 1 | $122K | 0.0% (low risk) |
| Big O Tires | 1 | $155K | 0.0% (low risk) |
| Isold It On Ebay | 1 | $95K | 0.0% (low risk) |
| Duck Donuts | 1 | $417K | 100.0% (very high risk) |
| Screenmobile | 1 | $190K | N/A |
Lending volume by year
1'96
1'97
3'00
1'01
2'02
2'03
1'04
1'05
1'14
1'15
2'18
1'20
2'22
3'23
1'24
3'25
Geographic exposure
2215.4% (high risk)
40.0% (low risk)
Portfolio summary
Total funded$9.3M
Defaults2 of 26
Risk tierAVERAGE
Avg rate8.11%
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 Neighborhood National Bank originated?
- 26 loans totaling $9.3M. The portfolio carries a 12.5% 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). 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 Neighborhood National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Neighborhood National 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.