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SBA 7(a) franchise lending portfolio
Bangor Savings Bank
AVERAGE risk
- Total loans
- 71
- Loan volume
- $13.7M
- Avg loan size
- $193K
- Default 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% |
| Five Guys Famous Burgers And F | 6 | $1.9M | 0.0% |
| Subway Sandwich Shop | 4 | $668K | 0.0% |
| Subway | 4 | $528K | 0.0% |
| NAPA Auto Parts | 3 | $398K | 0.0% |
| Zoo Health Club/Blitz 45 Funct | 3 | $1.1M | — |
| Dairy Queen | 2 | $393K | 0.0% |
| Egg & I Restaurant (the) | 2 | $875K | 100.0% |
| Keller Williams Realty | 2 | $215K | 0.0% |
| Rainbow International Corporat | 2 | $149K | 0.0% |
| The Bar Method | 2 | $265K | 0.0% |
| All Dry | 2 | $185K | — |
| Ace Handyman Services | 2 | $175K | — |
| Realty ONE Group / Realty ONE | 2 | $190K | — |
| Radio Shack | 1 | $60K | 0.0% |
| Curves For Women | 1 | $22K | 0.0% |
| Sears Catalog Store | 1 | $338K | 0.0% |
| Dunkin Donuts | 1 | $135K | 0.0% |
| Wetzel's Pretzel | 1 | $150K | 0.0% |
| Dippin Dots | 1 | $25K | 0.0% |
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 default 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
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%).