SBA 7(a) franchise lending portfolio
UMB Bank, National Association
- Total loans
- 442
- Loan volume
- $154.0M
- Avg loan size
- $349K
- Charge-off rate
- 18.8%
- vs 16.0% national
Charged off
74
Avg interest
5.83%
Franchises funded
223
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 35 | $7.0M | 11.8% (average) |
| Cousins Submarines (restaurant | 30 | $6.2M | N/A |
| Quiznos | 20 | $2.7M | 10.0% (average) |
| Mr. Goodcents Sub' And Pasta | 16 | $1.9M | 25.0% (high risk) |
| Anytime Fitness | 10 | $2.5M | 30.0% (high risk) |
| Ace Hardware | 7 | $2.6M | N/A |
| Deli Delicious | 7 | $1.4M | N/A |
| Play It Again Sports (retail S | 6 | $415K | N/A |
| Culver's Frozen Custard | 6 | $2.5M | N/A |
| Cheezteak Company | 5 | $658K | N/A |
| Paciugo Italian Gelato Renaiss | 5 | $1.0M | N/A |
| Toppers Pizza | 5 | $912K | N/A |
| Super 8 | 5 | $3.3M | N/A |
| Jamba Juice | 5 | $2.5M | N/A |
| Huhot Mongolian Grill | 4 | $1.2M | N/A |
| Visiting Angels | 4 | $489K | N/A |
| Sports Clips | 4 | $505K | N/A |
| Dunkin' Donuts | 4 | $2.6M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 3 |
| FY1993 | 11 |
| FY1994 | 11 |
| FY1995 | 9 |
| FY1996 | 10 |
| FY1997 | 7 |
| FY1998 | 1 |
| FY1999 | 6 |
| FY2000 | 5 |
| FY2001 | 12 |
| FY2002 | 10 |
| FY2003 | 20 |
| FY2004 | 20 |
| FY2005 | 22 |
| FY2006 | 24 |
| FY2007 | 21 |
| FY2008 | 24 |
| FY2009 | 10 |
| FY2010 | 10 |
| FY2011 | 18 |
| FY2012 | 14 |
| FY2013 | 16 |
| FY2014 | 27 |
| FY2015 | 30 |
| FY2016 | 23 |
| FY2017 | 18 |
| FY2018 | 8 |
| FY2019 | 11 |
| FY2020 | 7 |
| FY2021 | 10 |
| FY2022 | 11 |
| FY2023 | 5 |
| FY2024 | 5 |
| FY2025 | 3 |
SBA 7(a) · charge-off rate by approval year
UMB Bank, National Association: above all franchise loans in 12 of 20 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are 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 | 3 | 0 | Too few |
| 1993 | 11 | 1 | 9.1% |
| 1994 | 11 | 0 | 0.0% |
| 1995 | 9 | 2 | Too few |
| 1996 | 10 | 2 | 20.0% |
| 1997 | 7 | 1 | Too few |
| 1999 | 6 | 3 | Too few |
| 2000 | 5 | 1 | Too few |
| 2001 | 12 | 3 | 25.0% |
| 2002 | 10 | 2 | 20.0% |
| 2003 | 20 | 8 | 40.0% |
| 2004 | 20 | 5 | 25.0% |
| 2005 | 21 | 7 | 33.3% |
| 2006 | 24 | 6 | 25.0% |
| 2007 | 20 | 3 | 15.0% |
| 2008 | 24 | 8 | 33.3% |
| 2009 | 10 | 3 | 30.0% |
| 2010 | 10 | 3 | 30.0% |
| 2011 | 17 | 1 | 5.9% |
| 2012 | 14 | 0 | 0.0% |
| 2013 | 16 | 2 | 12.5% |
| 2014 | 27 | 2 | 7.4% |
| 2015 | 28 | 2 | 7.1% |
| 2016 | 21 | 5 | 23.8% |
| 2017 | 14 | 2 | 14.3% |
| 2018 | 7 | 0 | Too few |
| 2019 | 6 | 1 | Too few |
| 2020 | 5 | 0 | Too early |
| 2021 | 4 | 1 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 UMB Bank, National Association originated?
- 442 loans totaling $154.0M. The portfolio carries a 18.8% 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). 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. UMB Bank, National Association's rate of 18.8% is above 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 UMB Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands UMB 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.