PB
SBA 7(a) franchise lending portfolio
Pineland Bank
GOOD risk
- Total loans
- 53
- Loan volume
- $65.8M
- Avg loan size
- $1.2M
- Charge-off rate
- 9.4%
- vs 15.4% national avg
Defaults
3
Avg interest
5.64%
Franchises funded
34
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Surcheros Fresh Grill | 9 | $11.1M | 0.0% (low risk) |
| Tropical Smoothie Cafe | 4 | $1.2M | 0.0% (low risk) |
| Best Western Inn | 3 | $5.4M | 0.0% (low risk) |
| Willie Jewell's Old School Bar | 3 | $1.4M | 0.0% (low risk) |
| Huddle House | 2 | $835K | 0.0% (low risk) |
| Comfort Inn | 2 | $3.9M | 0.0% (low risk) |
| Dairy Queen | 2 | $1.9M | 0.0% (low risk) |
| Little Caesars | 2 | $890K | N/A |
| Microplay | 1 | $1.8M | 0.0% (low risk) |
| Microtel | 1 | $1.6M | 100.0% (very high risk) |
| Super 8 Motel | 1 | $900K | 0.0% (low risk) |
| Woody's Barbecue | 1 | $295K | N/A |
| Days Inn | 1 | $1.1M | 100.0% (very high risk) |
| Quiznos | 1 | $144K | 0.0% (low risk) |
| Howard Johnson | 1 | $2.0M | 0.0% (low risk) |
| Hawthorne Suites Franchising,i | 1 | $553K | 0.0% (low risk) |
| Mac Tools | 1 | $100K | 0.0% (low risk) |
| International House Of Pancake | 1 | $1.4M | 100.0% (very high risk) |
| Travelodge | 1 | $1.3M | 0.0% (low risk) |
| Hyatt Place | 1 | $1.8M | 0.0% (low risk) |
Lending volume by year
1'92
1
1
3
1
2'01
3
1
1
1
1'07
1
1
2
4
1'15
1
3
2
13
4'22
1
4'24
Pineland Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
3713.0% (elevated risk)
70.0% (low risk)
70.0% (low risk)
1N/A
1N/A
Portfolio summary
Total funded$65.8M
Defaults3 of 53
Risk tierGOOD
Avg rate5.64%
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 Pineland Bank originated?
- 53 loans totaling $65.8M. The portfolio carries a 9.4% 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 Pineland Bank fund the most?
- The “Top franchise exposures” table above lists the brands Pineland 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.