PB
SBA 7(a) franchise lending portfolio
Pioneer Bank & Trust
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $4.8M
- Avg loan size
- $267K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.32%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Signal Health Group | 2 | $171K | 0.0% (low risk) |
| Future Kids | 1 | $41K | 0.0% (low risk) |
| Medicap Pharmacy | 1 | $100K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $77K | 0.0% (low risk) |
| Shakey's Pizza | 1 | $641K | 0.0% (low risk) |
| Honda (dealers) | 1 | $153K | 0.0% (low risk) |
| Mr. Movies | 1 | $167K | 0.0% (low risk) |
| Gigglebee's | 1 | $310K | 0.0% (low risk) |
| Ktu Worldwide | 1 | $20K | 0.0% (low risk) |
| Post Net | 1 | $86K | 0.0% (low risk) |
| Chester Fried Chicken | 1 | $27K | 0.0% (low risk) |
| Assist 2 Sell Discount Realty | 1 | $119K | 0.0% (low risk) |
| The Spice & Tea Exchange | 1 | $166K | 0.0% (low risk) |
| Jimmy John's | 1 | $332K | 0.0% (low risk) |
| Batteries Plus Bulbs | 1 | $110K | 0.0% (low risk) |
| Subway | 1 | $131K | N/A |
| Qdoba Restaurant Corporation | 1 | $2.2M | N/A |
Lending volume by year
1'92
2'93
2'94
1'95
1'96
1'97
1'98
1'05
1'08
1'12
1'15
1'16
2'21
1'22
1'23
Geographic exposure
160.0% (low risk)
2N/A
Portfolio summary
Total funded$4.8M
Defaults0 of 18
Risk tierEXCELLENT
Avg rate6.32%
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 Pioneer Bank & Trust originated?
- 18 loans totaling $4.8M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Pioneer Bank & Trust fund the most?
- The “Top franchise exposures” table above lists the brands Pioneer Bank & Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.