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FranchiseVerdict

SBA 7(a) franchise lending portfolio

Twin City Bank

GOOD risk
Total loans
11
Loan volume
$2.5M
Avg loan size
$231K
Charge-off rate
9.1%
vs 15.4% national avg

Defaults

1

Avg interest

6.25%

Franchises funded

4

Risk rating

GOOD

Top franchise exposures

FranchiseLoansVolumeDefault %
Subway Sandwich Shop5$552K0.0% (low risk)
Camp Bow Wow3$1.0M0.0% (low risk)
Zoup2$777K0.0% (low risk)
Figaro's Italian Pizza1$172K100.0% (very high risk)

Geographic exposure

Oregon
40.0% (low risk)
California
20.0% (low risk)
Washington
250.0% (very high risk)
Illinois
10.0% (low risk)
New Jersey
10.0% (low risk)
Virginia
10.0% (low risk)

Portfolio summary

Total funded$2.5M
Defaults1 of 11
Risk tierGOOD
Avg rate6.25%

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 Twin City Bank originated?
11 loans totaling $2.5M. The portfolio carries a 9.1% charge-off rate, earning a “GOOD” 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 Twin City Bank fund the most?
The “Top franchise exposures” table above lists the brands Twin City 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.