SBA 7(a) franchise lending portfolio
Pinnacle Bank
- Total loans
- 462
- Loan volume
- $492.7M
- Avg loan size
- $1.1M
- Charge-off rate
- 11.4%
- vs 16.0% national
Charged off
29
Avg interest
6.71%
Franchises funded
279
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Hotworx | 14 | $5.8M | N/A |
| Days Inn | 8 | $15.8M | N/A |
| Quality Inn/Quality Suites, Ho | 7 | $12.5M | N/A |
| La Quinta by Wyndham a.k.a. La | 7 | $18.6M | N/A |
| SureStay | 7 | $15.9M | N/A |
| Quality Inn by Choice Hotels / | 7 | $21.4M | N/A |
| Sully's Steamers | 7 | $4.0M | N/A |
| Econo Lodge | 5 | $7.5M | N/A |
| Burn Boot Camp Fitness | 5 | $4.7M | N/A |
| Motel 6 | 5 | $23.2M | N/A |
| Best Western - Membership Agre | 5 | $19.5M | N/A |
| Eggs Up Grill | 5 | $4.1M | N/A |
| Screenmobile | 5 | $3.0M | N/A |
| Scooter's Coffee | 5 | $5.4M | N/A |
| SafeSplash Swim School | 5 | $7.8M | N/A |
| Anytime Fitness | 4 | $432K | N/A |
| Super 8 | 4 | $5.8M | N/A |
| Jimmy John's | 4 | $1.4M | N/A |
| Jets Pizza | 4 | $1.4M | N/A |
| Ace Hardware | 4 | $921K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 2 |
| FY1994 | 2 |
| FY1995 | 4 |
| FY1996 | 6 |
| FY1997 | 4 |
| FY1998 | 2 |
| FY1999 | 6 |
| FY2001 | 2 |
| FY2002 | 4 |
| FY2003 | 5 |
| FY2004 | 5 |
| FY2005 | 3 |
| FY2006 | 3 |
| FY2007 | 6 |
| FY2008 | 5 |
| FY2009 | 1 |
| FY2010 | 4 |
| FY2011 | 14 |
| FY2012 | 9 |
| FY2013 | 8 |
| FY2014 | 10 |
| FY2015 | 13 |
| FY2016 | 25 |
| FY2017 | 37 |
| FY2018 | 34 |
| FY2019 | 35 |
| FY2020 | 38 |
| FY2021 | 45 |
| FY2022 | 47 |
| FY2023 | 28 |
| FY2024 | 31 |
| FY2025 | 15 |
| FY2026 | 7 |
SBA 7(a) · charge-off rate by approval year
Pinnacle Bank: below all franchise loans in 7 of 9 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1995 | 4 | 1 | Too few |
| 1996 | 6 | 1 | Too few |
| 1997 | 4 | 1 | Too few |
| 1999 | 6 | 0 | Too few |
| 2002 | 4 | 1 | Too few |
| 2003 | 5 | 1 | Too few |
| 2004 | 5 | 2 | Too few |
| 2005 | 3 | 1 | Too few |
| 2006 | 3 | 1 | Too few |
| 2007 | 6 | 1 | Too few |
| 2008 | 5 | 2 | Too few |
| 2010 | 4 | 1 | Too few |
| 2011 | 14 | 0 | 0.0% |
| 2012 | 9 | 1 | Too few |
| 2013 | 7 | 1 | Too few |
| 2014 | 10 | 0 | 0.0% |
| 2015 | 11 | 1 | 9.1% |
| 2016 | 21 | 0 | 0.0% |
| 2017 | 29 | 4 | 13.8% |
| 2018 | 26 | 5 | 19.2% |
| 2019 | 24 | 1 | 4.2% |
| 2020 | 13 | 0 | 0.0% |
| 2021 | 17 | 0 | 0.0% |
| 2022 | 7 | 1 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 Pinnacle Bank originated?
- 462 loans totaling $492.7M. The portfolio carries a 11.4% charge-off rate, earning a “Average” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Pinnacle Bank's rate of 11.4% is below the national rate.
- 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 Pinnacle Bank fund the most?
- The “Top franchise exposures” table above lists the brands Pinnacle 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.