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SBA 7(a) franchise lending portfolio
WesBanco Bank, Inc.
AVERAGE risk
- Total loans
- 127
- Loan volume
- $42.2M
- Avg loan size
- $332K
- Default rate
- 12.7%
- vs 15.4% national avg
Defaults
14
Avg interest
6.40%
Franchises funded
88
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 12 | $2.0M | 0.0% |
| Convenient Food Mart | 6 | $674K | 0.0% |
| Dairy Queen | 6 | $1.9M | 0.0% |
| Jimmy John's | 3 | $903K | 0.0% |
| Curves For Women | 3 | $120K | 0.0% |
| Jersey Mike's | 3 | $4.1M | — |
| Jersey Mike's (deli Restaurant | 2 | $193K | 0.0% |
| Boston Market (f/K/A Boston Ch | 2 | $453K | 0.0% |
| Little Ceasar's Pizza | 2 | $337K | 0.0% |
| East Of Chicago Pizza | 2 | $250K | 50.0% |
| The UPS Store | 2 | $409K | 0.0% |
| Bin There Dump That | 2 | $135K | 0.0% |
| Pak Mail Centers | 2 | $140K | 0.0% |
| Comfort Keepers | 2 | $1.1M | 0.0% |
| Budget Blinds | 2 | $424K | — |
| 1-800 Packouts | 2 | $159K | 0.0% |
| The UPS Store (f/k/a Mail Box | 2 | $393K | — |
| Floor Coverings International | 2 | $256K | — |
| One-Hour Martinizing | 1 | $220K | 0.0% |
| Cornwell Quality Tool Company, | 1 | $75K | 100.0% |
Lending volume by year
4'92
2
2
1
3
7'97
3
6
1
2
3'02
12
9
8
8
13'07
2
1
2
2
2'12
1
5
1
2
2'18
2
4
6
6
2'24
2
1'26
WesBanco Bank, Inc. default rate by loan vintage
BrandNational avg
Geographic exposure
6217.3%
2512.0%
160.0%
928.6%
40.0%
30.0%
20.0%
20.0%
Portfolio summary
Total funded$42.2M
Defaults14 of 127
Risk tierAVERAGE
Avg rate6.40%
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%).