TB
SBA 7(a) franchise lending portfolio
T Bank, National Association
AVERAGE risk
- Total loans
- 96
- Loan volume
- $179.0M
- Avg loan size
- $1.9M
- Charge-off 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% (low risk) |
| Classic Star Group (Distributo | 6 | $11.3M | 0.0% (low risk) |
| Skyzone | 3 | $5.5M | 0.0% (low risk) |
| Phillips 66 | 3 | $3.3M | 0.0% (low risk) |
| Montessori Kids Universe | 3 | $5.3M | N/A |
| The Goddard School | 2 | $1.5M | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 2 | $2.8M | 0.0% (low risk) |
| Ampm Mini Market- Arco | 2 | $9.0M | 0.0% (low risk) |
| European Wax Center | 2 | $633K | N/A |
| Best Western Inn | 2 | $4.9M | 0.0% (low risk) |
| Chevron - Retail Supply Contra | 2 | $5.1M | 0.0% (low risk) |
| Sunoco, LLC (Various Brands) F | 2 | $5.5M | 0.0% (low risk) |
| 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 | 100.0% (very high risk) |
| Carl's Jr | 1 | $2.8M | 0.0% (low risk) |
| Sky Zone Sports | 1 | $1.0M | 100.0% (very high risk) |
| Costa Vida Fresh Mexican Grill | 1 | $483K | 100.0% (very high risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
417.1% (moderate risk)
110.0% (low risk)
60.0% (low risk)
50.0% (low risk)
520.0% (very high risk)
50.0% (low risk)
3100.0% (very high risk)
2N/A
20.0% (low risk)
20.0% (low risk)
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
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). 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 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.