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SBA 7(a) franchise lending portfolio
Adams Bank & Trust
CRITICAL risk
- Total loans
- 27
- Loan volume
- $5.0M
- Avg loan size
- $185K
- Default rate
- 47.6%
- vs 15.4% national avg
Defaults
10
Avg interest
7.22%
Franchises funded
23
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Daylight Donut Shop | 3 | $91K | 100.0% |
| Cottage Care | 2 | $210K | 100.0% |
| Snap-On | 2 | $284K | 0.0% |
| Valcom Computer Center | 1 | $75K | 0.0% |
| Philadelphia Bar And Grill | 1 | $255K | 100.0% |
| Valentino's (italian Restauran | 1 | $221K | 0.0% |
| Sign-A-Rama | 1 | $75K | 0.0% |
| Street Corner News | 1 | $80K | 100.0% |
| Kwik-Kopy | 1 | $100K | 100.0% |
| Le Peep Restaurant | 1 | $307K | 0.0% |
| Smoothie King (health Food Sto | 1 | $150K | 100.0% |
| Novus Glass | 1 | $77K | 0.0% |
| Spicy Pickle | 1 | $25K | 0.0% |
| Servpro | 1 | $315K | 0.0% |
| Orange Leaf Frozen Yogurt | 1 | $261K | 100.0% |
| Peace, Love & Little Donuts | 1 | $130K | 0.0% |
| Godfather's Pizza | 1 | $250K | 0.0% |
| Anytime Fitness | 1 | $223K | — |
| True North Restoration | 1 | $274K | — |
| D1T raining | 1 | $576K | — |
Lending volume by year
1'92
1'95
1'00
2'01
3'02
1'03
2'04
1'05
1'06
1'11
1'13
1'16
1'17
1'18
2'19
1'21
1'22
1'23
2'24
2'25
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).