TB
SBA 7(a) franchise lending portfolio
Texas Bank
Risk rating: Elevated
- Total loans
- 55
- Loan volume
- $20.3M
- Avg loan size
- $370K
- Charge-off rate
- 16.3%
- vs 16.0% national
Charged off
8
Avg interest
6.73%
Franchises funded
37
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 7 | $1.7M | N/A |
| Massage Envy | 4 | $915K | N/A |
| YogaSix | 3 | $1.3M | N/A |
| UPS Store | 2 | $331K | N/A |
| Wingstop Restaurant | 2 | $411K | N/A |
| Sports Clips | 2 | $584K | N/A |
| Frozen Ropes Northshore | 2 | $1.4M | N/A |
| Dickey's Barbeque | 2 | $620K | N/A |
| Days Inn | 2 | $1.9M | N/A |
| Supercuts | 2 | $231K | N/A |
| House of Bread | 2 | $504K | N/A |
| Radio Shack | 1 | $100K | N/A |
| Paciugo Italian Gelato Renaiss | 1 | $210K | N/A |
| Golf Etc. | 1 | $150K | N/A |
| Mr. Jim's Pizza | 1 | $150K | N/A |
| Rapid Refill Ink | 1 | $150K | N/A |
| Plato's Closet | 1 | $369K | N/A |
| Chicken Express | 1 | $218K | N/A |
| Chevron (gas Station) | 1 | $579K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 1 |
| FY1997 | 1 |
| FY1998 | 1 |
| FY2005 | 1 |
| FY2006 | 11 |
| FY2007 | 9 |
| FY2008 | 4 |
| FY2009 | 2 |
| FY2012 | 3 |
| FY2013 | 1 |
| FY2014 | 1 |
| FY2015 | 5 |
| FY2018 | 2 |
| FY2019 | 5 |
| FY2020 | 2 |
| FY2021 | 2 |
| FY2023 | 3 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Texas Bank charge-off rate by loan vintage
Only 1 of these 6 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2006 | 11 | 0 | 0.0% |
| 2007 | 9 | 3 | Too few |
| 2008 | 4 | 0 | Too few |
| 2012 | 3 | 1 | Too few |
| 2015 | 5 | 3 | Too few |
| 2019 | 5 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
5516.3% (elevated)
Portfolio summary
Total funded$20.3M
Charged off8 of 55
Risk tierElevated
Avg rate6.73%
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 Texas Bank originated?
- 55 loans totaling $20.3M. The portfolio carries a 16.3% charge-off rate, earning a “Elevated” 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. Texas Bank's rate of 16.3% is near 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 Texas Bank fund the most?
- The “Top franchise exposures” table above lists the brands Texas Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.