SBA 7(a) franchise lending portfolio
Plumas Bank
- Total loans
- 137
- Loan volume
- $96.1M
- Avg loan size
- $701K
- Charge-off rate
- 1.3%
- vs 16.0% national
Charged off
1
Avg interest
6.28%
Franchises funded
92
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Dutch Bros. | 7 | $7.6M | N/A |
| Little Caesar Pizza | 7 | $1.4M | N/A |
| Papa Murphy's Take 'N' Bake Pi | 6 | $2.1M | N/A |
| Round Table Pizza | 4 | $1.4M | N/A |
| Cold Stone Creamery | 4 | $1.2M | N/A |
| Pizza Factory | 3 | $677K | N/A |
| Huckleberry's | 3 | $1.8M | N/A |
| Valero | 3 | $1.9M | N/A |
| Dutch Bros. Coffee | 3 | $1.1M | N/A |
| SC Fuels - Southern Counties O | 3 | $3.8M | N/A |
| Anytime Fitness | 2 | $996K | N/A |
| Chevron (gas Station) | 2 | $5.1M | N/A |
| Chevron - Retail Supply Contra | 2 | $3.9M | N/A |
| Ampm Mini Market- Arco | 2 | $2.2M | N/A |
| Edible Arrangements | 2 | $480K | N/A |
| Sweethoney Dessert | 2 | $708K | N/A |
| Shell Service Station | 2 | $1.3M | N/A |
| MAACO | 2 | $739K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2003 | 1 |
| FY2004 | 1 |
| FY2005 | 1 |
| FY2007 | 1 |
| FY2009 | 1 |
| FY2010 | 3 |
| FY2011 | 4 |
| FY2012 | 5 |
| FY2013 | 3 |
| FY2014 | 13 |
| FY2015 | 8 |
| FY2016 | 16 |
| FY2017 | 10 |
| FY2018 | 16 |
| FY2019 | 11 |
| FY2020 | 7 |
| FY2021 | 16 |
| FY2022 | 6 |
| FY2023 | 3 |
| FY2024 | 5 |
| FY2025 | 4 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
Plumas Bank: below all franchise loans in each of the 2 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 |
|---|---|---|---|
| 2010 | 3 | 0 | Too few |
| 2011 | 4 | 0 | Too few |
| 2012 | 4 | 0 | Too few |
| 2013 | 3 | 0 | Too few |
| 2014 | 13 | 1 | 7.7% |
| 2015 | 7 | 0 | Too few |
| 2016 | 12 | 0 | 0.0% |
| 2017 | 5 | 0 | Too few |
| 2018 | 6 | 0 | Too few |
| 2019 | 5 | 0 | Too few |
| 2021 | 3 | 0 | Too early |
| 2022 | 4 | 0 | 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 Plumas Bank originated?
- 137 loans totaling $96.1M. The portfolio carries a 1.3% 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). 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. Plumas Bank's rate of 1.3% 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 Plumas Bank fund the most?
- The “Top franchise exposures” table above lists the brands Plumas 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.