WB
SBA 7(a) franchise lending portfolio
WesBanco Bank, Inc.
Risk rating: Average
- Total loans
- 127
- Loan volume
- $42.2M
- Avg loan size
- $332K
- Charge-off rate
- 12.7%
- vs 16.0% national
Charged off
14
Avg interest
6.40%
Franchises funded
88
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 12 | $2.0M | 0.0% (excellent) |
| Convenient Food Mart | 6 | $674K | N/A |
| Dairy Queen | 6 | $1.9M | N/A |
| Jersey Mike's | 5 | $4.3M | N/A |
| The UPS Store | 4 | $802K | N/A |
| Jimmy John's | 3 | $903K | N/A |
| Curves For Women | 3 | $120K | N/A |
| Boston Market (f/K/A Boston Ch | 2 | $453K | N/A |
| Little Ceasar's Pizza | 2 | $337K | N/A |
| East Of Chicago Pizza | 2 | $250K | N/A |
| Bin There Dump That | 2 | $135K | N/A |
| Pak Mail Centers | 2 | $140K | N/A |
| Comfort Keepers | 2 | $1.1M | N/A |
| Budget Blinds | 2 | $424K | N/A |
| 1-800 Packouts | 2 | $159K | N/A |
| Floor Coverings International | 2 | $256K | N/A |
| One-Hour Martinizing | 1 | $220K | N/A |
| Cornwell Quality Tool Company, | 1 | $75K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 4 |
| FY1993 | 2 |
| FY1994 | 2 |
| FY1995 | 1 |
| FY1996 | 3 |
| FY1997 | 7 |
| FY1998 | 3 |
| FY1999 | 6 |
| FY2000 | 1 |
| FY2001 | 2 |
| FY2002 | 3 |
| FY2003 | 12 |
| FY2004 | 9 |
| FY2005 | 8 |
| FY2006 | 8 |
| FY2007 | 13 |
| FY2008 | 2 |
| FY2009 | 1 |
| FY2010 | 2 |
| FY2011 | 2 |
| FY2012 | 2 |
| FY2013 | 1 |
| FY2015 | 5 |
| FY2016 | 1 |
| FY2017 | 2 |
| FY2018 | 2 |
| FY2020 | 2 |
| FY2021 | 4 |
| FY2022 | 6 |
| FY2023 | 6 |
| FY2024 | 2 |
| FY2025 | 2 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
WesBanco Bank, Inc.: below all franchise loans in each of the 2 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 4 | 0 | Too few |
| 1996 | 3 | 0 | Too few |
| 1997 | 7 | 2 | Too few |
| 1998 | 3 | 0 | Too few |
| 1999 | 6 | 3 | Too few |
| 2002 | 3 | 1 | Too few |
| 2003 | 12 | 1 | 8.3% |
| 2004 | 8 | 1 | Too few |
| 2005 | 8 | 1 | Too few |
| 2006 | 8 | 0 | Too few |
| 2007 | 13 | 3 | 23.1% |
| 2015 | 5 | 0 | Too few |
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
6217.3% (elevated)
2512.0% (average)
160.0% (excellent)
9N/A
4N/A
3N/A
2N/A
2N/A
2N/A
1N/A
Portfolio summary
Total funded$42.2M
Charged off14 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). 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. WesBanco Bank, Inc.'s rate of 12.7% 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 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.