Also Panera.

Though I should point out that this is not baking, but simply putting premade delivered dough into an oven. The dough is baked, yes, but this is not what people mean by baking.

A bakery generally is mixing flour themselves.

From a quick web search - Subway has an often-changing network of contracted suppliers of frozen bread dough.

It's been a while since I ate there, but the bread quality was for-sure not up to "we hired a baker to elevate our sandwiches" standards.

Don't they just heat up frozen/pre-made bread? I don't know...just I don't think they have enough room to be a real bakery. Also, corporate financials would have centralized that a long time ago.