SBA 7(a) franchise lending portfolio
Regions Bank
- Total loans
- 696
- Loan volume
- $308.1M
- Avg loan size
- $443K
- Charge-off rate
- 10.7%
- vs 16.0% national
Charged off
65
Avg interest
6.55%
Franchises funded
330
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Quiznos | 39 | $5.4M | N/A |
| Subway Sandwich Shop | 36 | $4.4M | 0.0% (excellent) |
| Primrose Schools | 28 | $38.9M | N/A |
| Mail Boxes Etc. Usa | 20 | $3.0M | 10.0% (average) |
| Murphy's Deli | 13 | $1.9M | 30.8% (high risk) |
| The Goddard School | 13 | $23.7M | N/A |
| Domino's Pizza | 10 | $994K | 0.0% (excellent) |
| Blimpie | 8 | $784K | N/A |
| Servpro | 8 | $1.9M | N/A |
| Allstate Insurance Company | 8 | $3.8M | N/A |
| Allstate Insurance | 8 | $7.3M | N/A |
| Tropical Smoothie | 7 | $2.0M | N/A |
| Zaxby's | 7 | $8.1M | N/A |
| Golf U.s.a. (retail Golf Equip | 5 | $783K | N/A |
| Computer Renaissance | 5 | $550K | N/A |
| Schlotzsky's Sandwich Shop | 5 | $900K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 12 |
| FY1993 | 27 |
| FY1994 | 41 |
| FY1995 | 47 |
| FY1996 | 26 |
| FY1997 | 23 |
| FY1998 | 23 |
| FY1999 | 8 |
| FY2000 | 26 |
| FY2001 | 24 |
| FY2002 | 29 |
| FY2003 | 49 |
| FY2004 | 54 |
| FY2005 | 37 |
| FY2006 | 3 |
| FY2007 | 11 |
| FY2008 | 12 |
| FY2009 | 13 |
| FY2010 | 9 |
| FY2011 | 3 |
| FY2012 | 7 |
| FY2013 | 5 |
| FY2014 | 19 |
| FY2015 | 36 |
| FY2016 | 26 |
| FY2017 | 25 |
| FY2018 | 10 |
| FY2019 | 6 |
| FY2020 | 7 |
| FY2021 | 14 |
| FY2022 | 10 |
| FY2023 | 20 |
| FY2024 | 10 |
| FY2025 | 22 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
Regions Bank: below all franchise loans in 16 of 20 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 |
|---|---|---|---|
| 1992 | 12 | 1 | 8.3% |
| 1993 | 27 | 2 | 7.4% |
| 1994 | 41 | 5 | 12.2% |
| 1995 | 47 | 11 | 23.4% |
| 1996 | 26 | 4 | 15.4% |
| 1997 | 23 | 4 | 17.4% |
| 1998 | 23 | 2 | 8.7% |
| 1999 | 8 | 0 | Too few |
| 2000 | 26 | 2 | 7.7% |
| 2001 | 24 | 2 | 8.3% |
| 2002 | 29 | 2 | 6.9% |
| 2003 | 49 | 6 | 12.2% |
| 2004 | 54 | 8 | 14.8% |
| 2005 | 37 | 4 | 10.8% |
| 2006 | 3 | 0 | Too few |
| 2007 | 11 | 4 | 36.4% |
| 2008 | 12 | 1 | 8.3% |
| 2009 | 13 | 0 | 0.0% |
| 2010 | 9 | 0 | Too few |
| 2011 | 3 | 0 | Too few |
| 2012 | 7 | 0 | Too few |
| 2013 | 5 | 0 | Too few |
| 2014 | 18 | 0 | 0.0% |
| 2015 | 35 | 0 | 0.0% |
| 2016 | 22 | 2 | 9.1% |
| 2017 | 20 | 3 | 15.0% |
| 2018 | 6 | 1 | Too few |
| 2020 | 4 | 0 | Too early |
| 2021 | 6 | 1 | 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 Regions Bank originated?
- 696 loans totaling $308.1M. The portfolio carries a 10.7% 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). 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. Regions Bank's rate of 10.7% 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 Regions Bank fund the most?
- The “Top franchise exposures” table above lists the brands Regions 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.