PB
SBA 7(a) franchise lending portfolio
Premier Bank
AVERAGE risk
- Total loans
- 31
- Loan volume
- $6.0M
- Avg loan size
- $193K
- Charge-off rate
- 12.9%
- vs 15.4% national avg
Defaults
4
Avg interest
5.84%
Franchises funded
22
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 5 | $938K | 0.0% (low risk) |
| Mr. Goodcents Sub' And Pasta | 3 | $194K | 0.0% (low risk) |
| Fantastic Sam's | 3 | $340K | 0.0% (low risk) |
| Jimmy John's | 2 | $706K | 0.0% (low risk) |
| Integrated Medical Resources, | 1 | $500K | 0.0% (low risk) |
| Domino's Pizza | 1 | $120K | 0.0% (low risk) |
| Quiznos | 1 | $150K | 0.0% (low risk) |
| Dairy Queen | 1 | $913K | 0.0% (low risk) |
| Hobbytown Usa | 1 | $255K | 100.0% (very high risk) |
| Mail Boxes Etc. Usa | 1 | $100K | 0.0% (low risk) |
| Dollar Discount Stores | 1 | $120K | 100.0% (very high risk) |
| Lamar's Donuts | 1 | $70K | 0.0% (low risk) |
| MAACO Auto Painting Center | 1 | $150K | 100.0% (very high risk) |
| Jack & Jill | 1 | $200K | 0.0% (low risk) |
| Merry Maids | 1 | $113K | 0.0% (low risk) |
| Dairy Queen/Limited Brazier Op | 1 | $160K | 0.0% (low risk) |
| Subway | 1 | $50K | 0.0% (low risk) |
| Sears Authorized Hometown Stor | 1 | $150K | 100.0% (very high risk) |
| Snap Fitness | 1 | $250K | 0.0% (low risk) |
| Anytime Fitness | 1 | $150K | 0.0% (low risk) |
Lending volume by year
1'92
2'94
1'95
2'98
1'00
1'01
2'02
2'04
4'05
1'06
1'07
3'08
1'09
1'12
3'15
1'16
3'17
1'19
Premier Bank charge-off rate by loan vintage
BrandNational avg
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 Premier Bank originated?
- 31 loans totaling $6.0M. The portfolio carries a 12.9% 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). 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 Premier Bank fund the most?
- The “Top franchise exposures” table above lists the brands Premier 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.