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SBA 7(a) franchise lending portfolio
T Bank, National Association
AVERAGE risk
- Total loans
- 96
- Loan volume
- $179.0M
- Avg loan size
- $1.9M
- Default rate
- 11.1%
- vs 15.4% national avg
Defaults
5
Avg interest
6.39%
Franchises funded
68
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Kiddie Academy | 8 | $19.6M | 0.0% |
| Classic Star Group (Distributo | 6 | $11.3M | 0.0% |
| Skyzone | 3 | $5.5M | 0.0% |
| Phillips 66 | 3 | $3.3M | 0.0% |
| Montessori Kids Universe | 3 | $5.3M | — |
| The Goddard School | 2 | $1.5M | 0.0% |
| Quality Inn/Quality Suites, Ho | 2 | $2.8M | 0.0% |
| Ampm Mini Market- Arco | 2 | $9.0M | 0.0% |
| European Wax Center | 2 | $633K | — |
| Best Western Inn | 2 | $4.9M | 0.0% |
| Chevron - Retail Supply Contra | 2 | $5.1M | 0.0% |
| Sunoco, LLC (Various Brands) F | 2 | $5.5M | 0.0% |
| Titletown Oil Corp. (BP) Retai | 2 | $7.0M | — |
| Dairy Queen - Store Agreement | 2 | $3.2M | — |
| Speed Petroleum, LLC (Multi-br | 2 | $3.8M | — |
| Circle K (C-store Agreement on | 1 | $3.4M | — |
| Meineke | 1 | $327K | 100.0% |
| Carl's Jr | 1 | $2.8M | 0.0% |
| Sky Zone Sports | 1 | $1.0M | 100.0% |
| Costa Vida Fresh Mexican Grill | 1 | $483K | 100.0% |
Lending volume by year
1'10
1'11
9'13
10'14
14'15
6'16
1'17
2'18
3'19
4'20
14'21
12'22
5'23
7'24
7'25
T Bank, National Association default rate by loan vintage
BrandNational avg
Geographic exposure
417.1%
110.0%
60.0%
50.0%
520.0%
50.0%
3100.0%
2—
20.0%
20.0%
Portfolio summary
Total funded$179.0M
Defaults5 of 96
Risk tierAVERAGE
Avg rate6.39%
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%).