TB
SBA 7(a) franchise lending portfolio
The Bancorp Bank National Association
Risk rating: Average
- Total loans
- 622
- Loan volume
- $406.2M
- Avg loan size
- $653K
- Charge-off rate
- 11.8%
- vs 16.0% national
Charged off
43
Avg interest
6.78%
Franchises funded
267
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Marco's Pizza | 32 | $11.4M | 0.0% (excellent) |
| The UPS Store | 28 | $7.3M | 0.0% (excellent) |
| Massage Envy | 23 | $15.9M | 0.0% (excellent) |
| Fantastic Sams | 21 | $4.1M | 55.6% (high risk) |
| Jersey Mike's | 17 | $6.2M | N/A |
| Fastsigns | 15 | $3.3M | 0.0% (excellent) |
| Tropical Smoothie Cafe | 14 | $9.1M | N/A |
| Lawn Doctor | 14 | $2.7M | N/A |
| Sport Clips | 13 | $3.0M | 7.7% (good) |
| Kiddie Academy | 12 | $24.1M | N/A |
| Orange Theory Fitness | 9 | $6.8M | N/A |
| Celebree School | 9 | $22.7M | N/A |
| The Brass Tap | 8 | $6.4M | N/A |
| Domino's | 8 | $3.6M | N/A |
| Charleys Philly Steaks | 8 | $3.6M | N/A |
| Grease Monkey | 8 | $6.3M | N/A |
| Togo's | 7 | $2.2M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2011 | 11 |
| FY2012 | 6 |
| FY2013 | 51 |
| FY2014 | 49 |
| FY2015 | 50 |
| FY2016 | 45 |
| FY2017 | 41 |
| FY2018 | 35 |
| FY2019 | 33 |
| FY2020 | 58 |
| FY2021 | 84 |
| FY2022 | 34 |
| FY2023 | 62 |
| FY2024 | 26 |
| FY2025 | 35 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
The Bancorp Bank National Association: highest rate in the 2017 loan year, 51.4%
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2011 | 11 | 0 | 0.0% |
| 2012 | 6 | 0 | Too few |
| 2013 | 50 | 4 | 8.0% |
| 2014 | 48 | 4 | 8.3% |
| 2015 | 48 | 7 | 14.6% |
| 2016 | 32 | 6 | 18.8% |
| 2017 | 35 | 18 | 51.4% |
| 2018 | 22 | 1 | 4.5% |
| 2019 | 21 | 0 | 0.0% |
| 2020 | 36 | 1 | 2.8% |
| 2021 | 35 | 0 | 0.0% |
| 2022 | 10 | 1 | 10.0% |
| 2023 | 11 | 1 | 9.1% |
Dashed line: all franchise 7(a) loans approved the same year.
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
10212.5% (average)
7810.7% (average)
474.3% (excellent)
270.0% (excellent)
2614.3% (average)
2410.5% (average)
230.0% (excellent)
2225.0% (high risk)
227.1% (good)
1910.0% (average)
Portfolio summary
Total funded$406.2M
Charged off43 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). 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. The Bancorp Bank National Association's rate of 11.8% is below 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 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.