PB
SBA 7(a) franchise lending portfolio
Prosperity Bank
Risk rating: Elevated
- Total loans
- 118
- Loan volume
- $27.7M
- Avg loan size
- $235K
- Charge-off rate
- 19.6%
- vs 16.0% national
Charged off
22
Avg interest
5.74%
Franchises funded
87
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Mr. Gatti's | 5 | $725K | N/A |
| Cici's Pizza | 5 | $782K | N/A |
| Wingstop Restaurant | 4 | $611K | N/A |
| Generator Supercenter | 4 | $1.6M | N/A |
| Quiznos | 3 | $375K | N/A |
| The UPS Store | 3 | $620K | N/A |
| Servpro | 3 | $211K | N/A |
| Little Gym | 2 | $231K | N/A |
| Great Harvest Bread Co. | 2 | $90K | N/A |
| Rainbow International Corporat | 2 | $276K | N/A |
| Merle Norman Cosmetics | 2 | $123K | N/A |
| Conoco Service Station | 2 | $1.8M | N/A |
| Buffalo Wild Wings (f/K/A Bw-3 | 2 | $324K | N/A |
| Subway Sandwich Shop | 2 | $560K | N/A |
| Baskin-Robbins 31 Ice Cream | 2 | $370K | N/A |
| Country Visions | 2 | $361K | N/A |
| Jumping Party | 2 | $154K | N/A |
| Tropical Smoothie | 2 | $458K | N/A |
| Zuka Juice | 1 | $175K | N/A |
| Tandy Leather | 1 | $60K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1993 | 3 |
| FY1994 | 4 |
| FY1995 | 3 |
| FY1996 | 3 |
| FY1997 | 6 |
| FY1998 | 9 |
| FY1999 | 3 |
| FY2000 | 9 |
| FY2001 | 6 |
| FY2002 | 5 |
| FY2003 | 9 |
| FY2004 | 6 |
| FY2005 | 9 |
| FY2006 | 3 |
| FY2007 | 3 |
| FY2008 | 2 |
| FY2009 | 3 |
| FY2011 | 4 |
| FY2012 | 2 |
| FY2013 | 3 |
| FY2014 | 5 |
| FY2015 | 2 |
| FY2016 | 2 |
| FY2017 | 1 |
| FY2018 | 3 |
| FY2019 | 1 |
| FY2020 | 1 |
| FY2021 | 5 |
| FY2022 | 1 |
| FY2023 | 2 |
SBA 7(a) · charge-off rate by approval year
Prosperity Bank charge-off rate by loan vintage
None of these 21 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1993 | 3 | 1 | Too few |
| 1994 | 4 | 1 | Too few |
| 1995 | 3 | 0 | Too few |
| 1996 | 3 | 1 | Too few |
| 1997 | 6 | 1 | Too few |
| 1998 | 9 | 2 | Too few |
| 1999 | 3 | 0 | Too few |
| 2000 | 9 | 3 | Too few |
| 2001 | 6 | 0 | Too few |
| 2002 | 5 | 2 | Too few |
| 2003 | 9 | 1 | Too few |
| 2004 | 6 | 2 | Too few |
| 2005 | 9 | 3 | Too few |
| 2006 | 3 | 1 | Too few |
| 2007 | 3 | 0 | Too few |
| 2009 | 3 | 0 | Too few |
| 2011 | 4 | 1 | Too few |
| 2013 | 3 | 0 | Too few |
| 2014 | 5 | 1 | Too few |
| 2018 | 3 | 0 | Too few |
| 2021 | 3 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 Prosperity Bank originated?
- 118 loans totaling $27.7M. The portfolio carries a 19.6% charge-off rate, earning a “Elevated” 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. Prosperity Bank's rate of 19.6% is above 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 Prosperity Bank fund the most?
- The “Top franchise exposures” table above lists the brands Prosperity 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.