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SBA 7(a) franchise lending portfolio
Bank of Homewood, National Association
GOOD risk
- Total loans
- 12
- Loan volume
- $1.8M
- Avg loan size
- $149K
- Default rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
—
Franchises funded
11
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Domino's Pizza | 2 | $116K | 0.0% |
| Petland | 1 | $191K | 100.0% |
| Dairy Queen | 1 | $140K | 0.0% |
| Furniture Medic | 1 | $50K | 0.0% |
| General Nutrition Center | 1 | $74K | 0.0% |
| Auntie Ann's (soft Pretzels) | 1 | $90K | 0.0% |
| Dunkin Donuts | 1 | $100K | 0.0% |
| Kentucky Fried Chicken | 1 | $190K | 0.0% |
| Shell Service Station | 1 | $230K | 0.0% |
| Gold's Gym | 1 | $510K | 0.0% |
| Subway Sandwich Shop | 1 | $95K | 0.0% |
Lending volume by year
3'93
2'94
3'95
1'97
1'98
2'99
Geographic exposure
128.3%
Portfolio summary
Total funded$1.8M
Defaults1 of 12
Risk tierGOOD
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%).