![PlainsCapital Bank logo](https://cdn.brandfetch.io/plainscapitalbank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
PlainsCapital Bank
ELEVATED risk
- Total loans
- 149
- Loan volume
- $70.3M
- Avg loan size
- $472K
- Default rate
- 19.1%
- vs 15.4% national avg
Defaults
20
Avg interest
6.63%
Franchises funded
98
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 10 | $1.5M | 30.0% |
| Taco Casa | 7 | $3.4M | 0.0% |
| Cheeky Monkeys | 6 | $5.4M | — |
| FreeForm Chiropractic | 5 | $1.9M | — |
| Firehouse Subs | 3 | $702K | 0.0% |
| Cold Stone Creamery, Inc. | 3 | $598K | 33.3% |
| Fish City Grill | 3 | $960K | 0.0% |
| Philly Connection | 2 | $364K | 50.0% |
| Marble Slab Creamery | 2 | $300K | 100.0% |
| Sports Clips | 2 | $291K | 0.0% |
| Bahama Buck's | 2 | $499K | 0.0% |
| Dickey's Barbeque | 2 | $777K | 100.0% |
| Massage Envy | 2 | $564K | 0.0% |
| Paciugo Italian Gelato Renaiss | 2 | $575K | 100.0% |
| Taco Casa | 2 | $4.8M | — |
| Domino's Pizza | 2 | $955K | 0.0% |
| Temporary Franchises | 2 | $888K | 0.0% |
| Flowerama | 2 | $665K | — |
| Crumbl | 2 | $698K | 0.0% |
| Premier Martial Arts Studio | 2 | $662K | 0.0% |
Lending volume by year
1'94
1
1
3
2
4'02
7
9
7
10
4'07
11
15
7
6
2'12
1
3
2
1
3'17
1
2
3
6
13'22
6
10
8'25
PlainsCapital Bank default rate by loan vintage
BrandNational avg
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%).