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SBA 7(a) franchise lending portfolio
Woodforest National Bank
Risk rating: High Risk
- Total loans
- 57
- Loan volume
- $20.0M
- Avg loan size
- $351K
- Charge-off rate
- 24.6%
- vs 16.0% national
Charged off
14
Avg interest
6.28%
Franchises funded
36
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| The UPS Store | 6 | $1.9M | N/A |
| Wingstop Restaurant | 5 | $2.9M | N/A |
| Red Brick Pizza | 4 | $981K | N/A |
| Waffle House | 4 | $500K | N/A |
| Cold Stone Creamery, Inc. | 3 | $1.1M | N/A |
| Philly Connection | 2 | $300K | N/A |
| Egg & I Restaurant (the) | 2 | $1.0M | N/A |
| Pizza Factory | 2 | $770K | N/A |
| Quiznos | 2 | $390K | N/A |
| Church's Fried Chicken | 2 | $1.4M | N/A |
| Ace Hardware | 1 | $250K | N/A |
| It's A Grind Coffee | 1 | $175K | N/A |
| Liberty Tax Service | 1 | $78K | N/A |
| A+ Transmission | 1 | $633K | N/A |
| Precision Door Service | 1 | $645K | N/A |
| Merle Norman Cosmetics | 1 | $92K | N/A |
| Dickey's Barbeque | 1 | $150K | N/A |
| Jani-King (janitor's Service) | 1 | $620K | N/A |
| Smoothie King (health Food Sto | 1 | $200K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2000 | 2 |
| FY2002 | 2 |
| FY2003 | 5 |
| FY2004 | 14 |
| FY2005 | 12 |
| FY2006 | 9 |
| FY2007 | 2 |
| FY2008 | 1 |
| FY2009 | 2 |
| FY2010 | 1 |
| FY2012 | 2 |
| FY2014 | 2 |
| FY2016 | 1 |
| FY2017 | 1 |
| FY2019 | 1 |
SBA 7(a) · charge-off rate by approval year
Woodforest National Bank: above 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 |
|---|---|---|---|
| 2003 | 5 | 1 | Too few |
| 2004 | 14 | 5 | 35.7% |
| 2005 | 12 | 5 | 41.7% |
| 2006 | 9 | 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
5425.9% (high risk)
3N/A
Portfolio summary
Total funded$20.0M
Charged off14 of 57
Risk tierHigh Risk
Avg rate6.28%
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 Woodforest National Bank originated?
- 57 loans totaling $20.0M. The portfolio carries a 24.6% charge-off rate, earning a “High Risk” 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. Woodforest National Bank's rate of 24.6% is above 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 Woodforest National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Woodforest National 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.