TN
SBA 7(a) franchise lending portfolio
Touchmark National Bank
Risk rating: Excellent
- Total loans
- 51
- Loan volume
- $104.4M
- Avg loan size
- $2.0M
- Charge-off rate
- 3.3%
- vs 16.0% national
Charged off
1
Avg interest
6.00%
Franchises funded
40
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Chevron (gas Station) | 3 | $2.8M | N/A |
| Super 8 by Wyndhan | 3 | $4.3M | N/A |
| Motel 6 | 2 | $6.8M | N/A |
| Subway Sandwich Shop | 2 | $1.3M | N/A |
| Rodeway Inn by Choice Hotels/R | 2 | $3.0M | N/A |
| Holiday Inn Express/Holiday In | 2 | $7.8M | N/A |
| Country Inn & Suites by Radiss | 2 | $9.5M | N/A |
| Primrose School (daycare) | 2 | $4.1M | N/A |
| Quality Inn by Choice Hotels / | 2 | $3.8M | N/A |
| Days Inn by Wyndham | 2 | $7.3M | N/A |
| Kids R Kids | 1 | $2.0M | N/A |
| The Juicy Crab | 1 | $745K | N/A |
| Red Roof Inn | 1 | $800K | N/A |
| Sunoco, LLC (Various Brands) F | 1 | $927K | N/A |
| Baymont by Wyndham aka Baymont | 1 | $2.5M | N/A |
| Red Mango Frozen Yogurt | 1 | $510K | N/A |
| Stay Express Hotel and Suites | 1 | $1.4M | N/A |
| Culver's | 1 | $2.8M | N/A |
| Park Inn by Radisson/Park Inn/ | 1 | $5.0M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2005 | 1 |
| FY2010 | 4 |
| FY2011 | 1 |
| FY2012 | 3 |
| FY2013 | 3 |
| FY2015 | 3 |
| FY2016 | 2 |
| FY2018 | 10 |
| FY2019 | 8 |
| FY2020 | 8 |
| FY2021 | 8 |
SBA 7(a) · charge-off rate by approval year
Touchmark National Bank charge-off rate by loan vintage
None of these 6 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 |
|---|---|---|---|
| 2010 | 4 | 0 | Too few |
| 2012 | 3 | 1 | Too few |
| 2013 | 3 | 0 | Too few |
| 2018 | 4 | 0 | Too few |
| 2019 | 4 | 0 | Too few |
| 2020 | 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.
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 Touchmark National Bank originated?
- 51 loans totaling $104.4M. The portfolio carries a 3.3% 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. Touchmark National Bank's rate of 3.3% 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 Touchmark National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Touchmark 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.