PB
SBA 7(a) franchise lending portfolio
PCB Bank
GOOD risk
- Total loans
- 289
- Loan volume
- $425.6M
- Avg loan size
- $1.5M
- Charge-off rate
- 6.9%
- vs 15.4% national avg
Defaults
14
Avg interest
5.82%
Franchises funded
149
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Baja Fresh Mexican Grill | 11 | $4.4M | 9.1% (moderate risk) |
| Chevron - Retail Supply Contra | 10 | $27.0M | 0.0% (low risk) |
| Subway Sandwich Shop | 9 | $1.7M | 0.0% (low risk) |
| Wetzel's Pretzels | 9 | $1.8M | 0.0% (low risk) |
| Shell Service Station | 8 | $8.3M | 0.0% (low risk) |
| Chevron (gas Station) | 7 | $13.6M | 0.0% (low risk) |
| Days Inn | 6 | $10.4M | 20.0% (very high risk) |
| Phillips 66 Branded Reseller A | 6 | $16.9M | 0.0% (low risk) |
| Wilson Oil, Inc. Contract of S | 6 | $13.1M | 0.0% (low risk) |
| Best Western - Membership Agre | 5 | $20.8M | 0.0% (low risk) |
| Conoco Service Station | 4 | $2.8M | 0.0% (low risk) |
| Christensen Inc. dba Powell Pr | 4 | $6.0M | 0.0% (low risk) |
| Circle K | 4 | $4.3M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 4 | $9.9M | 0.0% (low risk) |
| Days Inn by Wyndham | 4 | $9.3M | 0.0% (low risk) |
| Sweet Factory | 3 | $734K | 0.0% (low risk) |
| Travelodge | 3 | $4.1M | 0.0% (low risk) |
| Holiday Inn | 3 | $5.4M | 0.0% (low risk) |
| Motel 6 | 3 | $5.0M | 0.0% (low risk) |
| Mobil Oil (stations) | 3 | $1.4M | 0.0% (low risk) |
Lending volume by year
1'04
2
9
8
14
21'10
14
16
12
14
11'15
14
14
17
16
27'20
38
15
13
3
8'25
2'26
PCB Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
1258.7% (moderate risk)
513.0% (low risk)
424.8% (low risk)
110.0% (low risk)
119.1% (moderate risk)
100.0% (low risk)
725.0% (very high risk)
60.0% (low risk)
50.0% (low risk)
40.0% (low risk)
Portfolio summary
Total funded$425.6M
Defaults14 of 289
Risk tierGOOD
Avg rate5.82%
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 PCB Bank originated?
- 289 loans totaling $425.6M. The portfolio carries a 6.9% 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 PCB Bank fund the most?
- The “Top franchise exposures” table above lists the brands PCB 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.