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SBA 7(a) franchise lending portfolio
US Metro Bank
GOOD risk
- Total loans
- 283
- Loan volume
- $678.3M
- Avg loan size
- $2.4M
- Default rate
- 6.5%
- vs 15.4% national avg
Defaults
7
Avg interest
6.65%
Franchises funded
128
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn by Choice Hotels / | 13 | $45.1M | 0.0% |
| Motel 6 | 12 | $40.2M | 0.0% |
| Best Western - Membership Agre | 11 | $39.9M | 0.0% |
| Super 8 by Wyndhan | 10 | $23.9M | 0.0% |
| La Quinta by Wyndham a.k.a. La | 9 | $36.7M | 0.0% |
| El Pollo Loco | 7 | $3.0M | 0.0% |
| Paris Baguette | 6 | $3.2M | 0.0% |
| Days Inn by Wyndham | 6 | $22.4M | — |
| Holiday Inn Express/Holiday In | 6 | $28.6M | 0.0% |
| Comfort Suites by Choice Hotel | 6 | $20.1M | 0.0% |
| Econo Lodge by Choice Hotels/E | 6 | $10.2M | — |
| Ampm Mini Market- Arco | 5 | $5.7M | 0.0% |
| Comfort Inn by Choice Hotels/C | 5 | $18.4M | 0.0% |
| Denny's | 4 | $2.2M | 0.0% |
| Rodeway Inn by Choice Hotels/R | 4 | $7.6M | 0.0% |
| Sunoco, LLC (Various Brands) F | 4 | $7.3M | 0.0% |
| SureStay | 4 | $12.7M | — |
| Circle K | 3 | $4.0M | 50.0% |
| Baskin-Robbins | 3 | $725K | 66.7% |
| Hawthorn Suites by Wyndham | 3 | $12.0M | 0.0% |
Lending volume by year
4'07
2'08
3'09
1'10
1'11
4'14
11'15
17'16
25'17
15'18
20'19
18'20
39'21
26'22
21'23
7'24
43'25
26'26
US Metro Bank default rate by loan vintage
BrandNational avg
Geographic exposure
12211.1%
790.0%
150.0%
90.0%
6—
40.0%
4—
3—
30.0%
Portfolio summary
Total funded$678.3M
Defaults7 of 283
Risk tierGOOD
Avg rate6.65%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).