TB
SBA 7(a) franchise lending portfolio
The Bancorp Bank National Association
AVERAGE risk
- Total loans
- 622
- Loan volume
- $406.2M
- Avg loan size
- $653K
- Charge-off rate
- 11.8%
- vs 15.4% national avg
Defaults
43
Avg interest
6.78%
Franchises funded
267
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Massage Envy | 23 | $15.9M | 0.0% (low risk) |
| Fantastic Sams | 21 | $4.1M | 55.6% (very high risk) |
| Marco's Pizza | 21 | $6.0M | 0.0% (low risk) |
| Fastsigns | 15 | $3.3M | 0.0% (low risk) |
| The UPS Store | 14 | $3.0M | 0.0% (low risk) |
| Tropical Smoothie Cafe | 14 | $9.1M | 0.0% (low risk) |
| Lawn Doctor | 14 | $2.7M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 14 | $4.3M | 0.0% (low risk) |
| Sport Clips | 13 | $3.0M | 7.7% (moderate risk) |
| Kiddie Academy | 12 | $24.1M | 0.0% (low risk) |
| Marco's Pizza | 11 | $5.5M | N/A |
| Jersey Mike's | 10 | $4.2M | 10.0% (elevated risk) |
| Orange Theory Fitness | 9 | $6.8M | 0.0% (low risk) |
| Celebree School | 9 | $22.7M | N/A |
| The Brass Tap | 8 | $6.4M | 20.0% (very high risk) |
| Domino's | 8 | $3.6M | 0.0% (low risk) |
| Charleys Philly Steaks | 8 | $3.6M | N/A |
| Grease Monkey | 8 | $6.3M | 0.0% (low risk) |
| Jersey Mike's (deli Restaurant | 7 | $2.1M | 0.0% (low risk) |
| Togo's | 7 | $2.2M | 14.3% (elevated risk) |
Lending volume by year
11'11
6'12
51'13
49'14
50'15
45'16
41'17
35'18
33'19
58'20
84'21
34'22
62'23
26'24
35'25
2'26
The Bancorp Bank National Association charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
10212.5% (elevated risk)
7810.7% (elevated risk)
474.3% (low risk)
270.0% (low risk)
2614.3% (elevated risk)
2410.5% (elevated risk)
230.0% (low risk)
2225.0% (very high risk)
227.1% (moderate risk)
1910.0% (elevated risk)
Portfolio summary
Total funded$406.2M
Defaults43 of 622
Risk tierAVERAGE
Avg rate6.78%
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 The Bancorp Bank National Association originated?
- 622 loans totaling $406.2M. The portfolio carries a 11.8% 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 The Bancorp Bank National Association fund the most?
- The “Top franchise exposures” table above lists the brands The Bancorp 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.