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SBA 7(a) franchise lending portfolio
Texas Bank
ELEVATED risk
- Total loans
- 55
- Loan volume
- $20.3M
- Avg loan size
- $370K
- Default rate
- 16.3%
- vs 15.4% national avg
Defaults
8
Avg interest
6.73%
Franchises funded
37
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 4 | $719K | 25.0% |
| Massage Envy | 4 | $915K | 0.0% |
| Subway | 3 | $1.0M | 100.0% |
| YogaSix | 3 | $1.3M | 33.3% |
| UPS Store | 2 | $331K | 0.0% |
| Wingstop Restaurant | 2 | $411K | 0.0% |
| Sports Clips | 2 | $584K | 0.0% |
| Frozen Ropes Northshore | 2 | $1.4M | 0.0% |
| Dickey's Barbeque | 2 | $620K | 0.0% |
| Days Inn | 2 | $1.9M | 0.0% |
| Supercuts | 2 | $231K | 0.0% |
| House of Bread | 2 | $504K | 0.0% |
| Radio Shack | 1 | $100K | 0.0% |
| Paciugo Italian Gelato Renaiss | 1 | $210K | 0.0% |
| Golf Etc. | 1 | $150K | 100.0% |
| Mr. Jim's Pizza | 1 | $150K | 100.0% |
| Rapid Refill Ink | 1 | $150K | 0.0% |
| Plato's Closet | 1 | $369K | 0.0% |
| Chicken Express | 1 | $218K | 0.0% |
| Chevron (gas Station) | 1 | $579K | 0.0% |
Lending volume by year
1'94
1'97
1'98
1'05
11'06
9'07
4'08
2'09
3'12
1'13
1'14
5'15
2'18
5'19
2'20
2'21
3'23
1'26
Texas Bank default rate by loan vintage
BrandNational avg
Geographic exposure
5516.3%
Portfolio summary
Total funded$20.3M
Defaults8 of 55
Risk tierELEVATED
Avg rate6.73%
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%).