TB
SBA 7(a) franchise lending portfolio
TransPecos Banks, SSB.
ELEVATED risk
- Total loans
- 20
- Loan volume
- $32.7M
- Avg loan size
- $1.6M
- Charge-off rate
- 16.7%
- vs 15.4% national avg
Defaults
2
Avg interest
6.46%
Franchises funded
18
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Kids 'r' Kids | 2 | $3.5M | 0.0% (low risk) |
| AAMCO Transmissions | 2 | $431K | 100.0% (very high risk) |
| Chevron (gas Station) | 1 | $180K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $240K | 0.0% (low risk) |
| Subway | 1 | $928K | 100.0% (very high risk) |
| AlphaGraphics | 1 | $1.6M | N/A |
| Country Hearth Inn/Country Hea | 1 | $2.2M | 0.0% (low risk) |
| Econo Lodge | 1 | $2.9M | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 1 | $2.1M | 0.0% (low risk) |
| Best Western - Membership Agre | 1 | $2.3M | N/A |
| Knights Inn | 1 | $2.2M | 0.0% (low risk) |
| Marco's Pizza | 1 | $382K | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 1 | $3.0M | N/A |
| Best Western Inn | 1 | $4.1M | 0.0% (low risk) |
| Studio 6 | 1 | $2.8M | N/A |
| All Dry | 1 | $270K | N/A |
| Gatti's Pizza/Mr. Gatti's Pizz | 1 | $3.3M | N/A |
| Poolwerx | 1 | $250K | N/A |
Lending volume by year
1'92
1'05
5'15
5'16
2'17
3'18
1'22
2'23
Geographic exposure
2016.7% (high risk)
Portfolio summary
Total funded$32.7M
Defaults2 of 20
Risk tierELEVATED
Avg rate6.46%
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 TransPecos Banks, SSB. originated?
- 20 loans totaling $32.7M. The portfolio carries a 16.7% charge-off rate, earning a “ELEVATED” 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 TransPecos Banks, SSB. fund the most?
- The “Top franchise exposures” table above lists the brands TransPecos Banks, SSB. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.