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SBA 7(a) franchise lending portfolio
Bank of Marin
GOOD risk
- Total loans
- 12
- Loan volume
- $2.1M
- Avg loan size
- $175K
- Default rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
—
Franchises funded
9
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Chubby's | 3 | $220K | 0.0% |
| Ace Hardware | 2 | $750K | 0.0% |
| Golf U.s.a. (retail Golf Equip | 1 | $260K | 100.0% |
| True Value Hardware | 1 | $80K | 0.0% |
| AAMCO Transmissions | 1 | $113K | 0.0% |
| Mountain Mike's Pizza | 1 | $84K | 0.0% |
| Coast-To-Coast Store | 1 | $410K | 0.0% |
| Certa Propainters | 1 | $80K | 0.0% |
| Mail Boxes Etc. Usa | 1 | $105K | 0.0% |
Lending volume by year
1'93
3'94
2'95
2'96
1'97
1'02
1'04
1'05
Geographic exposure
128.3%
Portfolio summary
Total funded$2.1M
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%).