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SBA 7(a) franchise lending portfolio
Pinnacle Bank
AVERAGE risk
- Total loans
- 462
- Loan volume
- $492.7M
- Avg loan size
- $1.1M
- Default rate
- 11.4%
- vs 15.4% national avg
Defaults
29
Avg interest
6.71%
Franchises funded
279
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Hotworx | 14 | $5.8M | 0.0% |
| Days Inn | 8 | $15.8M | 25.0% |
| Quality Inn/Quality Suites, Ho | 7 | $12.5M | 0.0% |
| La Quinta by Wyndham a.k.a. La | 7 | $18.6M | 0.0% |
| SureStay | 7 | $15.9M | 0.0% |
| Quality Inn by Choice Hotels / | 7 | $21.4M | 0.0% |
| Sully's Steamers | 7 | $4.0M | — |
| Econo Lodge | 5 | $7.5M | 0.0% |
| Burn Boot Camp Fitness | 5 | $4.7M | 0.0% |
| Motel 6 | 5 | $23.2M | 0.0% |
| Best Western - Membership Agre | 5 | $19.5M | 0.0% |
| Eggs Up Grill | 5 | $4.1M | 0.0% |
| Screenmobile | 5 | $3.0M | — |
| Scooter's Coffee | 5 | $5.4M | — |
| SafeSplash Swim School | 5 | $7.8M | 0.0% |
| Anytime Fitness | 4 | $432K | 0.0% |
| Super 8 | 4 | $5.8M | 0.0% |
| Jimmy John's | 4 | $1.4M | 0.0% |
| Jets Pizza | 4 | $1.4M | 0.0% |
| Ace Hardware | 4 | $921K | 0.0% |
Lending volume by year
2'92
2
2
4
6
4'97
2
6
2
4
5'03
5
3
3
6
5'08
1
4
14
9
8'13
10
13
25
37
34'18
35
38
45
47
28'23
31
15
7'26
Pinnacle Bank default rate by loan vintage
BrandNational avg
Geographic exposure
926.7%
772.2%
7513.7%
5821.9%
4027.3%
3212.5%
293.7%
1650.0%
70.0%
70.0%
Portfolio summary
Total funded$492.7M
Defaults29 of 462
Risk tierAVERAGE
Avg rate6.71%
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%).