UB
SBA 7(a) franchise lending portfolio
U.S. Bank, National Association
Risk rating: Average
- Total loans
- 2,064
- Loan volume
- $731.5M
- Avg loan size
- $354K
- Charge-off rate
- 14.5%
- vs 16.0% national
Charged off
252
Avg interest
6.90%
Franchises funded
855
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 84 | $9.6M | 3.6% (excellent) |
| The UPS Store (f/k/a Mail Box | 74 | $19.1M | 10.5% (average) |
| Dairy Queen | 42 | $13.3M | 7.1% (good) |
| Quiznos | 39 | $5.4M | 15.4% (elevated) |
| Allstate Insurance | 23 | $10.7M | 0.0% (excellent) |
| Baskin-Robbins 31 Ice Cream | 22 | $2.9M | 22.7% (high risk) |
| Days Inn | 20 | $20.8M | 5.0% (good) |
| Mr. Goodcents Sub' And Pasta | 18 | $1.9M | 11.1% (average) |
| Ramada Inn | 16 | $13.8M | 31.2% (high risk) |
| Super 8 Motel | 16 | $14.7M | 13.3% (average) |
| Cold Stone Creamery, Inc. | 15 | $2.5M | 13.3% (average) |
| Anytime Fitness | 15 | $4.2M | 7.1% (good) |
| Blimpie | 12 | $1.1M | 16.7% (elevated) |
| Papa Murphy's Take & Bake Pizz | 12 | $1.3M | 0.0% (excellent) |
| Planet Fitness | 12 | $15.0M | 0.0% (excellent) |
| Ace Hardware | 11 | $3.9M | 9.1% (good) |
| MAACO Auto Painting Center | 11 | $5.2M | 9.1% (good) |
| Domino's Pizza | 11 | $1.2M | 9.1% (good) |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 65 |
| FY1993 | 54 |
| FY1994 | 66 |
| FY1995 | 115 |
| FY1996 | 87 |
| FY1997 | 81 |
| FY1998 | 57 |
| FY1999 | 94 |
| FY2000 | 71 |
| FY2001 | 40 |
| FY2002 | 43 |
| FY2003 | 61 |
| FY2004 | 66 |
| FY2005 | 89 |
| FY2006 | 64 |
| FY2007 | 46 |
| FY2008 | 41 |
| FY2009 | 32 |
| FY2010 | 17 |
| FY2011 | 17 |
| FY2012 | 47 |
| FY2013 | 77 |
| FY2014 | 89 |
| FY2015 | 79 |
| FY2016 | 64 |
| FY2017 | 62 |
| FY2018 | 48 |
| FY2019 | 86 |
| FY2020 | 37 |
| FY2021 | 40 |
| FY2022 | 38 |
| FY2023 | 48 |
| FY2024 | 61 |
| FY2025 | 67 |
| FY2026 | 15 |
SBA 7(a) · charge-off rate by approval year
U.S. Bank, National Association: below all franchise loans in 20 of 30 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (recent years: too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 65 | 8 | 12.3% |
| 1993 | 54 | 2 | 3.7% |
| 1994 | 66 | 7 | 10.6% |
| 1995 | 115 | 14 | 12.2% |
| 1996 | 87 | 11 | 12.6% |
| 1997 | 81 | 9 | 11.1% |
| 1998 | 57 | 7 | 12.3% |
| 1999 | 94 | 17 | 18.1% |
| 2000 | 71 | 13 | 18.3% |
| 2001 | 39 | 6 | 15.4% |
| 2002 | 43 | 4 | 9.3% |
| 2003 | 61 | 4 | 6.6% |
| 2004 | 65 | 19 | 29.2% |
| 2005 | 89 | 30 | 33.7% |
| 2006 | 64 | 16 | 25.0% |
| 2007 | 46 | 13 | 28.3% |
| 2008 | 41 | 12 | 29.3% |
| 2009 | 32 | 2 | 6.2% |
| 2010 | 17 | 0 | 0.0% |
| 2011 | 17 | 1 | 5.9% |
| 2012 | 46 | 4 | 8.7% |
| 2013 | 73 | 6 | 8.2% |
| 2014 | 85 | 7 | 8.2% |
| 2015 | 73 | 4 | 5.5% |
| 2016 | 53 | 9 | 17.0% |
| 2017 | 51 | 5 | 9.8% |
| 2018 | 36 | 6 | 16.7% |
| 2019 | 55 | 8 | 14.5% |
| 2020 | 26 | 3 | 11.5% |
| 2021 | 18 | 1 | 5.6% |
| 2022 | 4 | 1 | Too early |
| 2023 | 7 | 3 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
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.
Geographic exposure
49312.2% (average)
17513.4% (average)
1425.2% (good)
12117.9% (elevated)
11420.9% (high risk)
11219.2% (elevated)
9310.0% (average)
9023.5% (high risk)
8314.3% (average)
7825.0% (high risk)
Portfolio summary
Total funded$731.5M
Charged off252 of 2,064
Risk tierAverage
Avg rate6.90%
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 U.S. Bank, National Association originated?
- 2,064 loans totaling $731.5M. The portfolio carries a 14.5% charge-off rate, earning a “Average” 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. U.S. Bank, National Association's rate of 14.5% 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 U.S. Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands U.S. Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.