ZB
SBA 7(a) franchise lending portfolio
Zions Bank, A Division of
Risk rating: Elevated
- Total loans
- 1,421
- Loan volume
- $384.8M
- Avg loan size
- $271K
- Charge-off rate
- 15.6%
- vs 16.0% national
Charged off
191
Avg interest
7.09%
Franchises funded
628
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Quiznos | 151 | $20.8M | 33.1% (high risk) |
| Subway Sandwich Shop | 56 | $8.9M | 1.8% (excellent) |
| Cold Stone Creamery, Inc. | 27 | $4.9M | 18.5% (elevated) |
| Mail Boxes Etc. Usa | 19 | $3.8M | 0.0% (excellent) |
| Dairy Queen | 15 | $3.8M | 20.0% (high risk) |
| Domino's Pizza | 12 | $2.8M | 8.3% (good) |
| Taco Del Mar | 12 | $2.0M | 50.0% (high risk) |
| Great Harvest Bread Co. | 11 | $2.0M | 27.3% (high risk) |
| Gandolfo's New York Delicatess | 11 | $1.2M | 18.2% (elevated) |
| Papa Murphy's Take & Bake Pizz | 10 | $1.7M | 0.0% (excellent) |
| Tunex | 10 | $966K | 0.0% (excellent) |
| Big O Tires | 9 | $4.7M | N/A |
| Ace Hardware | 9 | $2.4M | N/A |
| Gold's Gym | 9 | $7.6M | N/A |
| Econo Lub N Tune | 8 | $1.1M | N/A |
| Blimpie | 8 | $668K | N/A |
| MAACO Auto Painting Center | 8 | $1.6M | N/A |
| Copy Club | 8 | $2.8M | N/A |
| Liberty Tax Service | 8 | $496K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 16 |
| FY1993 | 16 |
| FY1994 | 20 |
| FY1995 | 28 |
| FY1996 | 40 |
| FY1997 | 45 |
| FY1998 | 43 |
| FY1999 | 47 |
| FY2000 | 33 |
| FY2001 | 36 |
| FY2002 | 47 |
| FY2003 | 84 |
| FY2004 | 131 |
| FY2005 | 116 |
| FY2006 | 44 |
| FY2007 | 34 |
| FY2008 | 33 |
| FY2009 | 15 |
| FY2010 | 26 |
| FY2011 | 53 |
| FY2012 | 26 |
| FY2013 | 45 |
| FY2014 | 39 |
| FY2015 | 49 |
| FY2016 | 53 |
| FY2017 | 29 |
| FY2018 | 36 |
| FY2019 | 21 |
| FY2020 | 30 |
| FY2021 | 28 |
| FY2022 | 18 |
| FY2023 | 28 |
| FY2024 | 39 |
| FY2025 | 63 |
| FY2026 | 10 |
SBA 7(a) · charge-off rate by approval year
Zions Bank, A Division of: below all franchise loans in 19 of 31 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (recent years: too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 16 | 2 | 12.5% |
| 1993 | 16 | 5 | 31.2% |
| 1994 | 20 | 1 | 5.0% |
| 1995 | 28 | 6 | 21.4% |
| 1996 | 40 | 3 | 7.5% |
| 1997 | 45 | 6 | 13.3% |
| 1998 | 43 | 8 | 18.6% |
| 1999 | 47 | 8 | 17.0% |
| 2000 | 33 | 7 | 21.2% |
| 2001 | 36 | 8 | 22.2% |
| 2002 | 47 | 12 | 25.5% |
| 2003 | 84 | 13 | 15.5% |
| 2004 | 131 | 22 | 16.8% |
| 2005 | 116 | 28 | 24.1% |
| 2006 | 44 | 13 | 29.5% |
| 2007 | 34 | 12 | 35.3% |
| 2008 | 33 | 11 | 33.3% |
| 2009 | 15 | 3 | 20.0% |
| 2010 | 26 | 3 | 11.5% |
| 2011 | 53 | 1 | 1.9% |
| 2012 | 26 | 0 | 0.0% |
| 2013 | 45 | 2 | 4.4% |
| 2014 | 39 | 2 | 5.1% |
| 2015 | 48 | 3 | 6.2% |
| 2016 | 44 | 6 | 13.6% |
| 2017 | 26 | 2 | 7.7% |
| 2018 | 28 | 2 | 7.1% |
| 2019 | 13 | 0 | 0.0% |
| 2020 | 20 | 0 | 0.0% |
| 2021 | 11 | 1 | 9.1% |
| 2022 | 3 | 1 | Too early |
| 2023 | 12 | 0 | 0.0% |
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
3678.7% (good)
30918.6% (elevated)
18217.9% (elevated)
12117.3% (elevated)
11615.4% (elevated)
1074.8% (excellent)
7812.5% (average)
3342.4% (high risk)
3132.3% (high risk)
2317.4% (elevated)
Portfolio summary
Total funded$384.8M
Charged off191 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). 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. Zions Bank, A Division of's rate of 15.6% is near 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 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.