TL
SBA 7(a) franchise lending portfolio
The Lyons National Bank
CRITICAL risk
- Total loans
- 11
- Loan volume
- $4.6M
- Avg loan size
- $420K
- Charge-off rate
- 22.2%
- vs 15.4% national avg
Defaults
2
Avg interest
5.85%
Franchises funded
7
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 5 | $925K | 20.0% (very high risk) |
| Allstate Insurance | 1 | $500K | 0.0% (low risk) |
| Tio Juan's Margaritas Mexican | 1 | $2.5M | 100.0% (very high risk) |
| NAPA Auto Parts | 1 | $345K | 0.0% (low risk) |
| Miracle Method | 1 | $104K | N/A |
| Weichert Realtors | 1 | $30K | N/A |
| Beerhead Bar & Eatery | 1 | $215K | 0.0% (low risk) |
Lending volume by year
1'03
1'04
1'05
1'09
2'11
1'12
1'14
1'16
1'18
1'22
Geographic exposure
1122.2% (very high risk)
Portfolio summary
Total funded$4.6M
Defaults2 of 11
Risk tierCRITICAL
Avg rate5.85%
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 Lyons National Bank originated?
- 11 loans totaling $4.6M. The portfolio carries a 22.2% charge-off rate, earning a “CRITICAL” 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 Lyons National Bank fund the most?
- The “Top franchise exposures” table above lists the brands The Lyons National 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.