NB
SBA 7(a) franchise lending portfolio
Northbrook Bank & Trust Company, National Association
Risk rating: High Risk
- Total loans
- 51
- Loan volume
- $46.2M
- Avg loan size
- $905K
- Charge-off rate
- 20.8%
- vs 16.0% national
Charged off
10
Avg interest
6.33%
Franchises funded
23
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 6 | $2.1M | N/A |
| Citgo Service Station | 5 | $4.2M | N/A |
| Days Inn | 5 | $5.5M | N/A |
| Sunoco Service Station | 4 | $2.9M | N/A |
| Super 8 Motel | 4 | $4.9M | N/A |
| Mobil Oil (stations) | 3 | $2.6M | N/A |
| Phillips 66 | 3 | $2.1M | N/A |
| Best Western Inn | 3 | $3.8M | N/A |
| Ramada Inn | 2 | $3.4M | N/A |
| Comfort Inn | 2 | $3.4M | N/A |
| Jimmy John's | 2 | $723K | N/A |
| Quizno's Subs | 2 | $216K | N/A |
| Shell Service Station | 1 | $547K | N/A |
| Meineke Car Care | 1 | $171K | N/A |
| Sleep Inn Motel | 1 | $2.0M | N/A |
| Comfort Suites | 1 | $2.0M | N/A |
| Culver's Frozen Custard | 1 | $1.8M | N/A |
| Amerihost Inn | 1 | $2.0M | N/A |
| Merlin's 200,000 Miles Shop | 1 | $147K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2002 | 1 |
| FY2003 | 2 |
| FY2004 | 4 |
| FY2005 | 4 |
| FY2006 | 10 |
| FY2007 | 18 |
| FY2008 | 6 |
| FY2014 | 1 |
| FY2015 | 1 |
| FY2016 | 2 |
| FY2024 | 2 |
SBA 7(a) · charge-off rate by approval year
Northbrook Bank & Trust Company, National Association: below all franchise loans in each of the 2 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2004 | 4 | 0 | Too few |
| 2005 | 4 | 2 | Too few |
| 2006 | 10 | 1 | 10.0% |
| 2007 | 17 | 3 | 17.6% |
| 2008 | 6 | 1 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
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.
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 Northbrook Bank & Trust Company, National Association originated?
- 51 loans totaling $46.2M. The portfolio carries a 20.8% charge-off rate, earning a “High Risk” 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. Northbrook Bank & Trust Company, National Association's rate of 20.8% is above 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 Northbrook Bank & Trust Company, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Northbrook Bank & Trust Company, 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.