TB
SBA 7(a) franchise lending portfolio
The Bank of Houston
Risk rating: Excellent
- Total loans
- 56
- Loan volume
- $35.6M
- Avg loan size
- $635K
- Charge-off rate
- 0.0%
- vs 16.0% national
Charged off
0
Avg interest
8.36%
Franchises funded
44
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Massage LuXe | 6 | $2.9M | N/A |
| Koala Insulation | 3 | $998K | N/A |
| LaVida Massage | 3 | $924K | N/A |
| Stretch Lab | 2 | $605K | N/A |
| American Freight | 2 | $1.4M | N/A |
| The UPS Store (f/k/a Mail Box | 2 | $680K | N/A |
| Paris Baguette | 1 | $1.6M | N/A |
| Project Lean Nation | 1 | $304K | N/A |
| redbox+ | 1 | $600K | N/A |
| Generator Supercenter | 1 | $486K | N/A |
| Nautical Bowls | 1 | $312K | N/A |
| Crave Cookies | 1 | $462K | N/A |
| Play It Again Sports | 1 | $375K | N/A |
| The Great Frame Up | 1 | $203K | N/A |
| Quality Inn by Choice Hotels / | 1 | $3.5M | N/A |
| New Distributing Co. Inc (Phil | 1 | $608K | N/A |
| Subway | 1 | $370K | N/A |
| Home Service Oil Company - Con | 1 | $1.8M | N/A |
| Right at Home | 1 | $1.3M | N/A |
| Americas Best Value Inn | 1 | $1.1M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2020 | 2 |
| FY2021 | 12 |
| FY2022 | 15 |
| FY2023 | 15 |
| FY2024 | 6 |
| FY2025 | 5 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
The Bank of Houston charge-off rate by loan vintage
None of these 3 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2021 | 5 | 0 | Too early |
| 2022 | 7 | 0 | Too early |
| 2023 | 5 | 0 | Too early |
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
210.0% (excellent)
5N/A
5N/A
3N/A
3N/A
2N/A
2N/A
2N/A
2N/A
1N/A
Portfolio summary
Total funded$35.6M
Charged off0 of 56
Risk tierExcellent
Avg rate8.36%
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 Bank of Houston originated?
- 56 loans totaling $35.6M. 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). 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 Bank of Houston's rate of 0.0% 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 Bank of Houston fund the most?
- The “Top franchise exposures” table above lists the brands The Bank of Houston has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.