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SBA 7(a) franchise lending portfolio
Peoples Bank
GOOD risk
- Total loans
- 399
- Loan volume
- $520.0M
- Avg loan size
- $1.3M
- Default 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% |
| Red Roof Inn | 17 | $36.7M | 0.0% |
| Days Inn by Wyndham | 12 | $32.2M | 0.0% |
| Subway Sandwich Shop | 11 | $1.3M | 0.0% |
| Subway | 11 | $6.4M | 0.0% |
| La Quinta by Wyndham a.k.a. La | 11 | $46.5M | 0.0% |
| Econo Lodge by Choice Hotels/E | 11 | $24.5M | 0.0% |
| Best Western - Membership Agre | 9 | $25.8M | 0.0% |
| Anytime Fitness | 9 | $1.7M | 0.0% |
| Comfort Inn by Choice Hotels/C | 8 | $26.6M | 0.0% |
| Super 8 by Wyndhan | 7 | $14.2M | 0.0% |
| Motel 6 | 7 | $15.3M | 0.0% |
| Quiznos | 6 | $898K | 16.7% |
| Anytime Fitness | 6 | $1.5M | 0.0% |
| Restoration 1 | 6 | $676K | 0.0% |
| Biggby Coffee | 6 | $1.2M | 0.0% |
| Americas Best Value Inn | 5 | $7.8M | 0.0% |
| Clarion Inn by Choice Hotels/C | 4 | $14.1M | 0.0% |
| Restore Hyper Wellness | 4 | $1.6M | 0.0% |
| Sleep Inn by Choice Hotels/Sle | 4 | $15.6M | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
702.5%
529.5%
445.9%
347.4%
3214.3%
150.0%
150.0%
140.0%
140.0%
100.0%
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
Default 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%), Critical (>20%).