TB
SBA 7(a) franchise lending portfolio
Texas Bank
ELEVATED risk
- Total loans
- 55
- Loan volume
- $20.3M
- Avg loan size
- $370K
- Charge-off 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% (very high risk) |
| Massage Envy | 4 | $915K | 0.0% (low risk) |
| Subway | 3 | $1.0M | 100.0% (very high risk) |
| YogaSix | 3 | $1.3M | 33.3% (very high risk) |
| UPS Store | 2 | $331K | 0.0% (low risk) |
| Wingstop Restaurant | 2 | $411K | 0.0% (low risk) |
| Sports Clips | 2 | $584K | 0.0% (low risk) |
| Frozen Ropes Northshore | 2 | $1.4M | 0.0% (low risk) |
| Dickey's Barbeque | 2 | $620K | 0.0% (low risk) |
| Days Inn | 2 | $1.9M | 0.0% (low risk) |
| Supercuts | 2 | $231K | 0.0% (low risk) |
| House of Bread | 2 | $504K | 0.0% (low risk) |
| Radio Shack | 1 | $100K | 0.0% (low risk) |
| Paciugo Italian Gelato Renaiss | 1 | $210K | 0.0% (low risk) |
| Golf Etc. | 1 | $150K | 100.0% (very high risk) |
| Mr. Jim's Pizza | 1 | $150K | 100.0% (very high risk) |
| Rapid Refill Ink | 1 | $150K | 0.0% (low risk) |
| Plato's Closet | 1 | $369K | 0.0% (low risk) |
| Chicken Express | 1 | $218K | 0.0% (low risk) |
| Chevron (gas Station) | 1 | $579K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
5516.3% (high risk)
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
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). 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 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.