WB
SBA 7(a) franchise lending portfolio
WesBanco Bank, Inc.
AVERAGE risk
- Total loans
- 127
- Loan volume
- $42.2M
- Avg loan size
- $332K
- Charge-off 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% (low risk) |
| Convenient Food Mart | 6 | $674K | 0.0% (low risk) |
| Dairy Queen | 6 | $1.9M | 0.0% (low risk) |
| Jimmy John's | 3 | $903K | 0.0% (low risk) |
| Curves For Women | 3 | $120K | 0.0% (low risk) |
| Jersey Mike's | 3 | $4.1M | N/A |
| Jersey Mike's (deli Restaurant | 2 | $193K | 0.0% (low risk) |
| Boston Market (f/K/A Boston Ch | 2 | $453K | 0.0% (low risk) |
| Little Ceasar's Pizza | 2 | $337K | 0.0% (low risk) |
| East Of Chicago Pizza | 2 | $250K | 50.0% (very high risk) |
| The UPS Store | 2 | $409K | 0.0% (low risk) |
| Bin There Dump That | 2 | $135K | 0.0% (low risk) |
| Pak Mail Centers | 2 | $140K | 0.0% (low risk) |
| Comfort Keepers | 2 | $1.1M | 0.0% (low risk) |
| Budget Blinds | 2 | $424K | N/A |
| 1-800 Packouts | 2 | $159K | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 2 | $393K | N/A |
| Floor Coverings International | 2 | $256K | N/A |
| One-Hour Martinizing | 1 | $220K | 0.0% (low risk) |
| Cornwell Quality Tool Company, | 1 | $75K | 100.0% (very high risk) |
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. charge-off rate by loan vintage
BrandNational avg
Geographic exposure
6217.3% (high risk)
2512.0% (elevated risk)
160.0% (low risk)
928.6% (very high risk)
40.0% (low risk)
30.0% (low risk)
2N/A
20.0% (low risk)
20.0% (low risk)
1N/A
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
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 WesBanco Bank, Inc. originated?
- 127 loans totaling $42.2M. The portfolio carries a 12.7% 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). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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 WesBanco Bank, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands WesBanco Bank, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.