PB
SBA 7(a) franchise lending portfolio
Peoples Bank
GOOD risk
- Total loans
- 399
- Loan volume
- $520.0M
- Avg loan size
- $1.3M
- Charge-off rate
- 6.4%
- vs 15.4% national avg
Defaults
13
Avg interest
6.73%
Franchises funded
178
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn by Choice Hotels / | 17 | $48.4M | 0.0% (low risk) |
| Red Roof Inn | 17 | $36.7M | 0.0% (low risk) |
| Days Inn by Wyndham | 12 | $32.2M | 0.0% (low risk) |
| Subway Sandwich Shop | 11 | $1.3M | 0.0% (low risk) |
| Subway | 11 | $6.4M | 0.0% (low risk) |
| La Quinta by Wyndham a.k.a. La | 11 | $46.5M | 0.0% (low risk) |
| Econo Lodge by Choice Hotels/E | 11 | $24.5M | 0.0% (low risk) |
| Best Western - Membership Agre | 9 | $25.8M | 0.0% (low risk) |
| Anytime Fitness | 9 | $1.7M | 0.0% (low risk) |
| Comfort Inn by Choice Hotels/C | 8 | $26.6M | 0.0% (low risk) |
| Super 8 by Wyndhan | 7 | $14.2M | 0.0% (low risk) |
| Motel 6 | 7 | $15.3M | 0.0% (low risk) |
| Quiznos | 6 | $898K | 16.7% (high risk) |
| Anytime Fitness | 6 | $1.5M | 0.0% (low risk) |
| Restoration 1 | 6 | $676K | 0.0% (low risk) |
| Biggby Coffee | 6 | $1.2M | 0.0% (low risk) |
| Americas Best Value Inn | 5 | $7.8M | 0.0% (low risk) |
| Clarion Inn by Choice Hotels/C | 4 | $14.1M | 0.0% (low risk) |
| Restore Hyper Wellness | 4 | $1.6M | 0.0% (low risk) |
| Sleep Inn by Choice Hotels/Sle | 4 | $15.6M | N/A |
Lending volume by year
1'92
3
3
4
5
5'97
5
3
2
4
1'02
2
5
6
9
8'07
4
4
10
4
2'12
1
9
15
8
8'17
11
17
34
71
47'22
43
23
17
5'26
Peoples Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
702.5% (low risk)
529.5% (moderate risk)
445.9% (moderate risk)
347.4% (moderate risk)
3214.3% (elevated risk)
150.0% (low risk)
150.0% (low risk)
140.0% (low risk)
140.0% (low risk)
100.0% (low risk)
Portfolio summary
Total funded$520.0M
Defaults13 of 399
Risk tierGOOD
Avg rate6.73%
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 Peoples Bank originated?
- 399 loans totaling $520.0M. The portfolio carries a 6.4% 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 Peoples Bank fund the most?
- The “Top franchise exposures” table above lists the brands Peoples 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.