AB
SBA 7(a) franchise lending portfolio
Adams Bank & Trust
CRITICAL risk
- Total loans
- 27
- Loan volume
- $5.0M
- Avg loan size
- $185K
- Charge-off 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% (very high risk) |
| Cottage Care | 2 | $210K | 100.0% (very high risk) |
| Snap-On | 2 | $284K | 0.0% (low risk) |
| Valcom Computer Center | 1 | $75K | 0.0% (low risk) |
| Philadelphia Bar And Grill | 1 | $255K | 100.0% (very high risk) |
| Valentino's (italian Restauran | 1 | $221K | 0.0% (low risk) |
| Sign-A-Rama | 1 | $75K | 0.0% (low risk) |
| Street Corner News | 1 | $80K | 100.0% (very high risk) |
| Kwik-Kopy | 1 | $100K | 100.0% (very high risk) |
| Le Peep Restaurant | 1 | $307K | 0.0% (low risk) |
| Smoothie King (health Food Sto | 1 | $150K | 100.0% (very high risk) |
| Novus Glass | 1 | $77K | 0.0% (low risk) |
| Spicy Pickle | 1 | $25K | 0.0% (low risk) |
| Servpro | 1 | $315K | 0.0% (low risk) |
| Orange Leaf Frozen Yogurt | 1 | $261K | 100.0% (very high risk) |
| Peace, Love & Little Donuts | 1 | $130K | 0.0% (low risk) |
| Godfather's Pizza | 1 | $250K | 0.0% (low risk) |
| Anytime Fitness | 1 | $223K | N/A |
| True North Restoration | 1 | $274K | N/A |
| D1T raining | 1 | $576K | N/A |
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
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 Adams Bank & Trust originated?
- 27 loans totaling $5.0M. The portfolio carries a 47.6% charge-off rate, earning a “CRITICAL” 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 Adams Bank & Trust fund the most?
- The “Top franchise exposures” table above lists the brands Adams Bank & Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.