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FranchiseVerdict

SBA 7(a) franchise lending portfolio

SNB Bank, National Association

CRITICAL risk
Total loans
13
Loan volume
$5.2M
Avg loan size
$399K
Charge-off rate
50.0%
vs 15.4% national avg

Defaults

2

Avg interest

7.23%

Franchises funded

6

Risk rating

CRITICAL

Top franchise exposures

FranchiseLoansVolumeDefault %
Quantum Assurance Internationa5$1.7M66.7% (very high risk)
Crumbl4$2.2MN/A
Farmers Insurance Agent Appoin1$300K0.0% (low risk)
Line-X1$722KN/A
FYZICAL1$95KN/A
Dickey's Barbecue Pit1$126KN/A

Geographic exposure

Georgia
5N/A
Texas
450.0% (very high risk)
Arizona
10.0% (low risk)
California
1N/A
Missouri
1100.0% (very high risk)
Tennessee
1N/A

Portfolio summary

Total funded$5.2M
Defaults2 of 13
Risk tierCRITICAL
Avg rate7.23%

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 SNB Bank, National Association originated?
13 loans totaling $5.2M. The portfolio carries a 50.0% charge-off rate, earning a “CRITICAL” 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 SNB Bank, National Association fund the most?
The “Top franchise exposures” table above lists the brands SNB Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.