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SBA 7(a) franchise lending portfolio
Regions Bank
AVERAGE risk
- Total loans
- 696
- Loan volume
- $308.1M
- Avg loan size
- $443K
- Default rate
- 10.7%
- vs 15.4% national avg
Defaults
65
Avg interest
6.55%
Franchises funded
330
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 36 | $4.4M | 0.0% |
| Quiznos | 31 | $4.3M | 0.0% |
| Primrose Schools | 17 | $26.4M | 0.0% |
| Mail Boxes Etc. Usa | 14 | $1.5M | 14.3% |
| Murphy's Deli | 13 | $1.9M | 30.8% |
| The Goddard School | 13 | $23.7M | 0.0% |
| Domino's Pizza | 10 | $994K | 0.0% |
| Blimpie | 8 | $784K | 12.5% |
| Servpro | 8 | $1.9M | 0.0% |
| Quizno's Subs | 8 | $1.1M | 37.5% |
| Allstate Insurance Company | 8 | $3.8M | 0.0% |
| Allstate Insurance | 8 | $7.3M | 0.0% |
| Tropical Smoothie | 7 | $2.0M | 0.0% |
| Zaxby's | 7 | $8.1M | 0.0% |
| The UPS Store | 6 | $1.5M | 0.0% |
| Primrose Schools | 6 | $9.2M | 0.0% |
| Golf U.s.a. (retail Golf Equip | 5 | $783K | 60.0% |
| Computer Renaissance | 5 | $550K | 20.0% |
| Schlotzsky's Sandwich Shop | 5 | $900K | 0.0% |
| Primrose School (daycare) | 5 | $3.3M | 0.0% |
Lending volume by year
12'92
27
41
47
26
23'97
23
8
26
24
29'02
49
54
37
3
11'07
12
13
9
3
7'12
5
19
36
26
25'17
10
6
7
14
10'22
20
10
22
2'26
Regions Bank default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
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%).