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FranchiseVerdict

SBA 7(a) franchise lending portfolio

US Metro Bank

Risk rating: Good
Total loans
283
Loan volume
$678.3M
Avg loan size
$2.4M
Charge-off rate
6.5%
vs 16.0% national

Charged off

7

Avg interest

6.65%

Franchises funded

128

Risk rating

Good

Top franchise exposures

FranchiseLoansVolumeCharge-off %
Quality Inn by Choice Hotels /13$45.1MN/A
Motel 612$40.2MN/A
Best Western - Membership Agre11$39.9MN/A
Super 8 by Wyndhan10$23.9MN/A
La Quinta by Wyndham a.k.a. La9$36.7MN/A
El Pollo Loco7$3.0MN/A
Paris Baguette6$3.2MN/A
Days Inn by Wyndham6$22.4MN/A
Holiday Inn Express/Holiday In6$28.6MN/A
Comfort Suites by Choice Hotel6$20.1MN/A
Econo Lodge by Choice Hotels/E6$10.2MN/A
Ampm Mini Market- Arco5$5.7MN/A
Comfort Inn by Choice Hotels/C5$18.4MN/A
Denny's4$2.2MN/A
Rodeway Inn by Choice Hotels/R4$7.6MN/A
Sunoco, LLC (Various Brands) F4$7.3MN/A
SureStay4$12.7MN/A
Circle K3$4.0MN/A
Baskin-Robbins3$725KN/A
Hawthorn Suites by Wyndham3$12.0MN/A

SBA 7(a) · charge-off rate by approval year

US Metro Bank: below all franchise loans in 5 of 6 rated years

US Metro Bank: below all franchise loans in 5 of 6 rated yearsUS Metro Bank charge-off rate by loan vintage. 12 approval years, 2007 to 2023; the 6 with at least 10 resolved loans are plotted, against all franchise loans approved the same year. Their rates run from 0.0% to 18.2%.

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
YearResolvedCharged offRate
200743Too few
200930Too few
201430Too few
20151000.0%
201611218.2%
20171915.3%
20181100.0%
20191000.0%
202080Too early
20211600.0%
202260Too early
202330Too 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

California
12211.1% (average)
Texas
790.0% (excellent)
Washington
150.0% (excellent)
Arizona
9N/A
Ohio
6N/A
New Mexico
5N/A
Nevada
4N/A
Virginia
4N/A
Florida
3N/A
Oklahoma
3N/A

Portfolio summary

Total funded$678.3M
Charged off7 of 283
Risk tierGood
Avg rate6.65%

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 US Metro Bank originated?
283 loans totaling $678.3M. The portfolio carries a 6.5% 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). 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. US Metro Bank's rate of 6.5% 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 US Metro Bank fund the most?
The “Top franchise exposures” table above lists the brands US Metro 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.