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SBA 7(a) franchise lending portfolio
Peoples National Bank National Association
AVERAGE risk
- Total loans
- 33
- Loan volume
- $10.8M
- Avg loan size
- $326K
- Default rate
- 13.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.14%
Franchises funded
27
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Sports Clips | 4 | $780K | 0.0% |
| Carquest Auto Parts | 2 | $270K | 0.0% |
| Anytime Fitness | 2 | $185K | 0.0% |
| F45 Training | 2 | $611K | — |
| Quiznos | 1 | $185K | 0.0% |
| Curves For Women | 1 | $52K | 0.0% |
| Subaru | 1 | $350K | 0.0% |
| Comfort Inn | 1 | $118K | 0.0% |
| Taco John's | 1 | $230K | 100.0% |
| Days Inn | 1 | $700K | 0.0% |
| Denny's Restaurant | 1 | $1.0M | 0.0% |
| Oxi Fresh Carpet Cleaning | 1 | $50K | 0.0% |
| Domino's Pizza | 1 | $415K | 0.0% |
| Sport Clips | 1 | $205K | 0.0% |
| Papa Murphy's | 1 | $250K | 100.0% |
| Little Ceasar's Pizza | 1 | $205K | 0.0% |
| The Medicine Shoppe | 1 | $75K | 0.0% |
| Papa Murphy's Take 'N' Bake Pi | 1 | $248K | 100.0% |
| Jimmy John's | 1 | $300K | — |
| Hair Saloon For Men | 1 | $300K | — |
Lending volume by year
1'00
1'01
2'02
1'05
1'06
1'07
1'08
2'10
1'11
2'12
3'13
2'14
1'15
2'16
1'17
4'18
2'22
1'23
3'24
1'25
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%).