BS
SBA 7(a) franchise lending portfolio
Bangor Savings Bank
AVERAGE risk
- Total loans
- 71
- Loan volume
- $13.7M
- Avg loan size
- $193K
- Charge-off rate
- 10.5%
- vs 15.4% national avg
Defaults
6
Avg interest
5.49%
Franchises funded
41
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Planet Fitness | 8 | $2.0M | 0.0% (low risk) |
| Five Guys Famous Burgers And F | 6 | $1.9M | 0.0% (low risk) |
| Subway Sandwich Shop | 4 | $668K | 0.0% (low risk) |
| Subway | 4 | $528K | 0.0% (low risk) |
| NAPA Auto Parts | 3 | $398K | 0.0% (low risk) |
| Zoo Health Club/Blitz 45 Funct | 3 | $1.1M | N/A |
| Dairy Queen | 2 | $393K | 0.0% (low risk) |
| Egg & I Restaurant (the) | 2 | $875K | 100.0% (very high risk) |
| Keller Williams Realty | 2 | $215K | 0.0% (low risk) |
| Rainbow International Corporat | 2 | $149K | 0.0% (low risk) |
| The Bar Method | 2 | $265K | 0.0% (low risk) |
| All Dry | 2 | $185K | N/A |
| Ace Handyman Services | 2 | $175K | N/A |
| Realty ONE Group / Realty ONE | 2 | $190K | N/A |
| Radio Shack | 1 | $60K | 0.0% (low risk) |
| Curves For Women | 1 | $22K | 0.0% (low risk) |
| Sears Catalog Store | 1 | $338K | 0.0% (low risk) |
| Dunkin Donuts | 1 | $135K | 0.0% (low risk) |
| Wetzel's Pretzel | 1 | $150K | 0.0% (low risk) |
| Dippin Dots | 1 | $25K | 0.0% (low risk) |
Lending volume by year
3'97
2
3
1
1
3'06
2
1
1
9
6'12
9
6
4
1
3'17
2
2
2
4
3'23
1
2'25
Bangor Savings Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$13.7M
Defaults6 of 71
Risk tierAVERAGE
Avg rate5.49%
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 Bangor Savings Bank originated?
- 71 loans totaling $13.7M. The portfolio carries a 10.5% charge-off rate, earning a “AVERAGE” 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 Bangor Savings Bank fund the most?
- The “Top franchise exposures” table above lists the brands Bangor Savings Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.