PB
SBA 7(a) franchise lending portfolio
PCB Bank
Risk rating: Good
- Total loans
- 289
- Loan volume
- $425.6M
- Avg loan size
- $1.5M
- Charge-off rate
- 6.9%
- vs 16.0% national
Charged off
14
Avg interest
5.82%
Franchises funded
149
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Baja Fresh Mexican Grill | 11 | $4.4M | 9.1% (good) |
| Chevron - Retail Supply Contra | 10 | $27.0M | N/A |
| Days Inn | 10 | $19.7M | N/A |
| Subway Sandwich Shop | 9 | $1.7M | N/A |
| Wetzel's Pretzels | 9 | $1.8M | N/A |
| Shell Service Station | 8 | $8.3M | N/A |
| Chevron (gas Station) | 7 | $13.6M | N/A |
| Phillips 66 Branded Reseller A | 6 | $16.9M | N/A |
| Wilson Oil, Inc. Contract of S | 6 | $13.1M | N/A |
| Best Western - Membership Agre | 5 | $20.8M | N/A |
| Conoco Service Station | 4 | $2.8M | N/A |
| Christensen Inc. dba Powell Pr | 4 | $6.0M | N/A |
| Circle K | 4 | $4.3M | N/A |
| Quality Inn by Choice Hotels / | 4 | $9.9M | N/A |
| Sweet Factory | 3 | $734K | N/A |
| Travelodge | 3 | $4.1M | N/A |
| Holiday Inn | 3 | $5.4M | N/A |
| Motel 6 | 3 | $5.0M | N/A |
| Mobil Oil (stations) | 3 | $1.4M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2004 | 1 |
| FY2006 | 2 |
| FY2007 | 9 |
| FY2008 | 8 |
| FY2009 | 14 |
| FY2010 | 21 |
| FY2011 | 14 |
| FY2012 | 16 |
| FY2013 | 12 |
| FY2014 | 14 |
| FY2015 | 11 |
| FY2016 | 14 |
| FY2017 | 14 |
| FY2018 | 17 |
| FY2019 | 16 |
| FY2020 | 27 |
| FY2021 | 38 |
| FY2022 | 15 |
| FY2023 | 13 |
| FY2024 | 3 |
| FY2025 | 8 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
PCB Bank: below all franchise loans in 10 of 11 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 |
|---|---|---|---|
| 2007 | 9 | 4 | Too few |
| 2008 | 8 | 3 | Too few |
| 2009 | 14 | 1 | 7.1% |
| 2010 | 21 | 0 | 0.0% |
| 2011 | 13 | 0 | 0.0% |
| 2012 | 15 | 1 | 6.7% |
| 2013 | 11 | 0 | 0.0% |
| 2014 | 14 | 1 | 7.1% |
| 2015 | 9 | 0 | Too few |
| 2016 | 8 | 0 | Too few |
| 2017 | 11 | 0 | 0.0% |
| 2018 | 14 | 0 | 0.0% |
| 2019 | 10 | 2 | 20.0% |
| 2020 | 14 | 0 | 0.0% |
| 2021 | 21 | 0 | 0.0% |
| 2022 | 4 | 0 | Too early |
| 2023 | 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
1258.7% (good)
513.0% (excellent)
424.8% (excellent)
110.0% (excellent)
119.1% (good)
100.0% (excellent)
7N/A
6N/A
5N/A
4N/A
Portfolio summary
Total funded$425.6M
Charged off14 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). 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. PCB Bank's rate of 6.9% 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 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.