WB
SBA 7(a) franchise lending portfolio
Webster Bank National Association
Risk rating: Average
- Total loans
- 194
- Loan volume
- $65.6M
- Avg loan size
- $338K
- Charge-off rate
- 12.2%
- vs 16.0% national
Charged off
15
Avg interest
6.56%
Franchises funded
115
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| American Family Care/AFC Urgen | 15 | $15.1M | N/A |
| Subway Sandwich Shop | 15 | $1.7M | 8.3% (good) |
| Doctors Express | 7 | $8.0M | N/A |
| Signarama | 6 | $2.4M | N/A |
| Saladworks | 5 | $1.2M | N/A |
| Ace Hardware | 3 | $1.1M | N/A |
| Minuteman Press | 3 | $950K | N/A |
| True Value Hardware | 3 | $180K | N/A |
| Quiznos | 3 | $430K | N/A |
| MAACO | 3 | $1.7M | N/A |
| Snap-On | 3 | $631K | N/A |
| Honey Dew Donuts | 2 | $270K | N/A |
| Pet Supplies "plus" Ii, Inc. | 2 | $500K | N/A |
| Just-A-Buck | 2 | $150K | N/A |
| Cookies By Design | 2 | $192K | N/A |
| Jan-Pro Cleaning Systems | 2 | $295K | N/A |
| Sir Speedy Printing Center | 2 | $305K | N/A |
| Curves For Women | 2 | $112K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 1 |
| FY1994 | 3 |
| FY1995 | 4 |
| FY1996 | 7 |
| FY1997 | 2 |
| FY1998 | 4 |
| FY1999 | 4 |
| FY2000 | 1 |
| FY2001 | 2 |
| FY2002 | 5 |
| FY2003 | 5 |
| FY2004 | 9 |
| FY2005 | 3 |
| FY2006 | 1 |
| FY2007 | 6 |
| FY2008 | 3 |
| FY2009 | 1 |
| FY2010 | 1 |
| FY2011 | 2 |
| FY2012 | 3 |
| FY2013 | 5 |
| FY2014 | 8 |
| FY2015 | 3 |
| FY2016 | 10 |
| FY2017 | 7 |
| FY2018 | 11 |
| FY2019 | 17 |
| FY2020 | 6 |
| FY2021 | 16 |
| FY2022 | 15 |
| FY2023 | 10 |
| FY2024 | 11 |
| FY2025 | 6 |
SBA 7(a) · charge-off rate by approval year
Webster Bank National Association charge-off rate by loan vintage
Only 1 of these 19 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1994 | 3 | 0 | Too few |
| 1995 | 4 | 0 | Too few |
| 1996 | 7 | 1 | Too few |
| 1998 | 4 | 1 | Too few |
| 1999 | 4 | 1 | Too few |
| 2002 | 5 | 0 | Too few |
| 2003 | 5 | 1 | Too few |
| 2004 | 9 | 0 | Too few |
| 2005 | 3 | 0 | Too few |
| 2007 | 6 | 2 | Too few |
| 2008 | 3 | 0 | Too few |
| 2013 | 5 | 0 | Too few |
| 2014 | 8 | 0 | Too few |
| 2015 | 3 | 0 | Too few |
| 2016 | 8 | 0 | Too few |
| 2017 | 5 | 0 | Too few |
| 2018 | 8 | 1 | Too few |
| 2019 | 10 | 2 | 20.0% |
| 2021 | 3 | 0 | Too early |
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
10813.1% (average)
3318.8% (elevated)
287.1% (good)
160.0% (excellent)
9N/A
Portfolio summary
Total funded$65.6M
Charged off15 of 194
Risk tierAverage
Avg rate6.56%
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 Webster Bank National Association originated?
- 194 loans totaling $65.6M. The portfolio carries a 12.2% 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. Webster Bank National Association's rate of 12.2% 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 Webster Bank National Association fund the most?
- The “Top franchise exposures” table above lists the brands Webster 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.