NB
SBA 7(a) franchise lending portfolio
Northwest Bank
Risk rating: Good
- Total loans
- 200
- Loan volume
- $82.1M
- Avg loan size
- $411K
- Charge-off rate
- 8.1%
- vs 16.0% national
Charged off
10
Avg interest
6.94%
Franchises funded
122
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway | 15 | $3.3M | 0.0% (excellent) |
| tanworld | 5 | $913K | N/A |
| Altitude Trampoline Park | 5 | $6.6M | N/A |
| Fox's Pizza Den | 5 | $866K | N/A |
| Quiznos | 4 | $575K | N/A |
| F45 Training | 4 | $500K | N/A |
| Ace Hardware | 4 | $5.4M | N/A |
| Pizza Ranch | 3 | $405K | N/A |
| Denny's | 3 | $2.5M | N/A |
| Firehouse Subs | 3 | $1.1M | N/A |
| Biggby Coffee | 3 | $450K | N/A |
| Dairy Queen of S.W. PA, Inc. | 3 | $1.5M | N/A |
| CKO Kickboxing | 3 | $70K | N/A |
| Monster Tree Service | 3 | $3.0M | N/A |
| Hand and Stone Massage and Fac | 3 | $699K | N/A |
| Petrucci's Dairy Barn | 2 | $165K | N/A |
| Unishippers | 2 | $779K | N/A |
| Cold Stone Creamery, Inc. | 2 | $209K | N/A |
| Scooter's Coffee | 2 | $1.1M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1995 | 1 |
| FY1996 | 1 |
| FY1997 | 3 |
| FY1999 | 1 |
| FY2000 | 1 |
| FY2001 | 6 |
| FY2002 | 1 |
| FY2003 | 1 |
| FY2004 | 1 |
| FY2005 | 2 |
| FY2006 | 2 |
| FY2008 | 3 |
| FY2009 | 3 |
| FY2010 | 8 |
| FY2011 | 4 |
| FY2012 | 10 |
| FY2013 | 7 |
| FY2014 | 5 |
| FY2015 | 4 |
| FY2016 | 7 |
| FY2017 | 5 |
| FY2018 | 15 |
| FY2019 | 19 |
| FY2020 | 14 |
| FY2021 | 16 |
| FY2022 | 12 |
| FY2023 | 10 |
| FY2024 | 12 |
| FY2025 | 23 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Northwest Bank: below all franchise loans in 2 of 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1997 | 3 | 1 | Too few |
| 2001 | 6 | 1 | Too few |
| 2008 | 3 | 1 | Too few |
| 2009 | 3 | 0 | Too few |
| 2010 | 8 | 0 | Too few |
| 2011 | 4 | 0 | Too few |
| 2012 | 10 | 2 | 20.0% |
| 2013 | 7 | 0 | Too few |
| 2014 | 5 | 1 | Too few |
| 2015 | 4 | 0 | Too few |
| 2016 | 7 | 0 | Too few |
| 2017 | 3 | 1 | Too few |
| 2018 | 12 | 1 | 8.3% |
| 2019 | 13 | 0 | 0.0% |
| 2020 | 7 | 0 | Too early |
| 2021 | 9 | 0 | Too early |
| 2022 | 3 | 0 | Too early |
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.
Geographic exposure
4211.8% (average)
340.0% (excellent)
340.0% (excellent)
170.0% (excellent)
150.0% (excellent)
130.0% (excellent)
1128.6% (high risk)
9N/A
8N/A
4N/A
Portfolio summary
Total funded$82.1M
Charged off10 of 200
Risk tierGood
Avg rate6.94%
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 Northwest Bank originated?
- 200 loans totaling $82.1M. The portfolio carries a 8.1% 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). 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. Northwest Bank's rate of 8.1% 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 Northwest Bank fund the most?
- The “Top franchise exposures” table above lists the brands Northwest 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.