SBA 7(a) franchise lending portfolio
T Bank, National Association
- Total loans
- 96
- Loan volume
- $179.0M
- Avg loan size
- $1.9M
- Charge-off rate
- 11.1%
- vs 16.0% national
Charged off
5
Avg interest
6.39%
Franchises funded
68
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Kiddie Academy | 8 | $19.6M | N/A |
| Classic Star Group (Distributo | 6 | $11.3M | N/A |
| Skyzone | 3 | $5.5M | N/A |
| Phillips 66 | 3 | $3.3M | N/A |
| Montessori Kids Universe | 3 | $5.3M | N/A |
| The Goddard School | 2 | $1.5M | N/A |
| Quality Inn/Quality Suites, Ho | 2 | $2.8M | N/A |
| Ampm Mini Market- Arco | 2 | $9.0M | N/A |
| European Wax Center | 2 | $633K | N/A |
| Best Western Inn | 2 | $4.9M | N/A |
| Chevron - Retail Supply Contra | 2 | $5.1M | N/A |
| Sunoco, LLC (Various Brands) F | 2 | $5.5M | N/A |
| Titletown Oil Corp. (BP) Retai | 2 | $7.0M | N/A |
| Dairy Queen - Store Agreement | 2 | $3.2M | N/A |
| Speed Petroleum, LLC (Multi-br | 2 | $3.8M | N/A |
| Circle K (C-store Agreement on | 1 | $3.4M | N/A |
| Meineke | 1 | $327K | N/A |
| Carl's Jr | 1 | $2.8M | N/A |
| Sky Zone Sports | 1 | $1.0M | N/A |
| Costa Vida Fresh Mexican Grill | 1 | $483K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2010 | 1 |
| FY2011 | 1 |
| FY2013 | 9 |
| FY2014 | 10 |
| FY2015 | 14 |
| FY2016 | 6 |
| FY2017 | 1 |
| FY2018 | 2 |
| FY2019 | 3 |
| FY2020 | 4 |
| FY2021 | 14 |
| FY2022 | 12 |
| FY2023 | 5 |
| FY2024 | 7 |
| FY2025 | 7 |
SBA 7(a) · charge-off rate by approval year
T Bank, National Association: below all franchise loans in each of the 2 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 |
|---|---|---|---|
| 2013 | 8 | 2 | Too few |
| 2014 | 10 | 0 | 0.0% |
| 2015 | 12 | 1 | 8.3% |
| 2016 | 3 | 2 | Too few |
| 2021 | 5 | 0 | 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 T Bank, National Association originated?
- 96 loans totaling $179.0M. The portfolio carries a 11.1% 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. T Bank, National Association's rate of 11.1% 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 T Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands T 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.