TB
SBA 7(a) franchise lending portfolio
The Bank of Missouri
Risk rating: High Risk
- Total loans
- 79
- Loan volume
- $27.4M
- Avg loan size
- $346K
- Charge-off rate
- 21.5%
- vs 16.0% national
Charged off
14
Avg interest
6.12%
Franchises funded
56
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Jimmy John's | 5 | $1.7M | N/A |
| Orange Leaf Frozen Yogurt | 5 | $1.6M | N/A |
| Arby's | 4 | $1.4M | N/A |
| Bright Star Healthcare/Brights | 3 | $457K | N/A |
| Parlor Doughnuts | 3 | $1.2M | N/A |
| Anytime Fitness | 2 | $80K | N/A |
| Mcalister's Gourmet Deli | 2 | $513K | N/A |
| Great Clips | 2 | $287K | N/A |
| Wings Etc. | 2 | $2.1M | N/A |
| The Glass Guru | 2 | $91K | N/A |
| Snap Fitness | 2 | $422K | N/A |
| America's Incredible Pizza Com | 2 | $618K | N/A |
| Chem-Dry | 2 | $190K | N/A |
| Culver's | 2 | $2.8M | N/A |
| Quizno's Subs | 2 | $285K | N/A |
| Snap-On-Tools | 1 | $166K | N/A |
| Sunshine Pack & Ship | 1 | $75K | N/A |
| Jenny Craig Weight Loss Center | 1 | $150K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2000 | 1 |
| FY2002 | 1 |
| FY2003 | 2 |
| FY2005 | 1 |
| FY2006 | 2 |
| FY2007 | 2 |
| FY2008 | 3 |
| FY2011 | 2 |
| FY2012 | 1 |
| FY2013 | 5 |
| FY2014 | 13 |
| FY2015 | 8 |
| FY2016 | 8 |
| FY2017 | 10 |
| FY2018 | 5 |
| FY2019 | 2 |
| FY2020 | 1 |
| FY2021 | 2 |
| FY2022 | 4 |
| FY2023 | 3 |
| FY2024 | 2 |
| FY2025 | 1 |
SBA 7(a) · charge-off rate by approval year
The Bank of Missouri charge-off rate by loan vintage
Only 1 of these 7 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 |
|---|---|---|---|
| 2008 | 3 | 0 | Too few |
| 2013 | 5 | 1 | Too few |
| 2014 | 13 | 1 | 7.7% |
| 2015 | 8 | 1 | Too few |
| 2016 | 7 | 2 | Too few |
| 2017 | 9 | 4 | Too few |
| 2018 | 4 | 1 | Too few |
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.
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 Missouri originated?
- 79 loans totaling $27.4M. The portfolio carries a 21.5% charge-off rate, earning a “High Risk” 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 Missouri's rate of 21.5% is above 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 Missouri fund the most?
- The “Top franchise exposures” table above lists the brands The Bank of Missouri has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.