TS
SBA 7(a) franchise lending portfolio
Texas Security Bank
EXCELLENT risk
- Total loans
- 15
- Loan volume
- $12.1M
- Avg loan size
- $809K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.87%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The Original Pancake House | 2 | $1.8M | 0.0% (low risk) |
| Hotworx | 2 | $600K | N/A |
| Bahama Buck's Original Shaved | 2 | $1.8M | N/A |
| Kiddie Academy | 2 | $517K | 0.0% (low risk) |
| Yamaha Sales Center | 1 | $800K | 0.0% (low risk) |
| Floss | 1 | $708K | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 1 | $3.8M | 0.0% (low risk) |
| Craters & Freighters | 1 | $500K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $110K | 0.0% (low risk) |
| 1-800-Got-Junk? | 1 | $324K | 0.0% (low risk) |
| Subway | 1 | $1.2M | 0.0% (low risk) |
Lending volume by year
1'11
1'13
2'15
2'16
2'17
2'20
1'21
2'22
2'23
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 Security Bank originated?
- 15 loans totaling $12.1M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Security Bank fund the most?
- The “Top franchise exposures” table above lists the brands Texas Security 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.