ZB
SBA 7(a) franchise lending portfolio
Zions Bank, A Division of
ELEVATED risk
- Total loans
- 1,421
- Loan volume
- $384.8M
- Avg loan size
- $271K
- Charge-off rate
- 15.6%
- vs 15.4% national avg
Defaults
191
Avg interest
7.09%
Franchises funded
628
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 151 | $20.8M | 33.1% (very high risk) |
| Subway Sandwich Shop | 56 | $8.9M | 1.8% (low risk) |
| Cold Stone Creamery, Inc. | 27 | $4.9M | 18.5% (high risk) |
| Dairy Queen | 15 | $3.8M | 20.0% (very high risk) |
| Domino's Pizza | 12 | $2.8M | 8.3% (moderate risk) |
| Taco Del Mar | 12 | $2.0M | 50.0% (very high risk) |
| Mail Boxes Etc. Usa | 11 | $990K | 0.0% (low risk) |
| Great Harvest Bread Co. | 11 | $2.0M | 27.3% (very high risk) |
| Gandolfo's New York Delicatess | 11 | $1.2M | 18.2% (high risk) |
| Papa Murphy's Take & Bake Pizz | 10 | $1.7M | 0.0% (low risk) |
| Tunex | 10 | $966K | 0.0% (low risk) |
| Big O Tires | 9 | $4.7M | 22.2% (very high risk) |
| Ace Hardware | 9 | $2.4M | 0.0% (low risk) |
| Gold's Gym | 9 | $7.6M | 0.0% (low risk) |
| Econo Lub N Tune | 8 | $1.1M | 37.5% (very high risk) |
| Blimpie | 8 | $668K | 12.5% (elevated risk) |
| MAACO Auto Painting Center | 8 | $1.6M | 0.0% (low risk) |
| Copy Club | 8 | $2.8M | 25.0% (very high risk) |
| Liberty Tax Service | 8 | $496K | 12.5% (elevated risk) |
| The UPS Store (f/k/a Mail Box | 8 | $2.9M | 0.0% (low risk) |
Lending volume by year
16'92
16
20
28
40
45'97
43
47
33
36
47'02
84
131
116
44
34'07
33
15
26
53
26'12
45
39
49
53
29'17
36
21
30
28
18'22
28
39
63
10'26
Zions Bank, A Division of charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
3678.7% (moderate risk)
30918.6% (high risk)
18217.9% (high risk)
12117.3% (high risk)
11615.4% (high risk)
1074.8% (low risk)
7812.5% (elevated risk)
3342.4% (very high risk)
3132.3% (very high risk)
2317.4% (high risk)
Portfolio summary
Total funded$384.8M
Defaults191 of 1,421
Risk tierELEVATED
Avg rate7.09%
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 Zions Bank, A Division of originated?
- 1,421 loans totaling $384.8M. The portfolio carries a 15.6% charge-off rate, earning a “ELEVATED” 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 Zions Bank, A Division of fund the most?
- The “Top franchise exposures” table above lists the brands Zions Bank, A Division of has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.