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SBA 7(a) franchise lending portfolio
Bar Harbor Bank & Trust
EXCELLENT risk
- Total loans
- 42
- Loan volume
- $4.7M
- Avg loan size
- $111K
- Default rate
- 2.5%
- vs 15.4% national avg
Defaults
1
Avg interest
5.19%
Franchises funded
18
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin Donuts | 9 | $1.2M | 0.0% |
| Subway Sandwich Shop | 7 | $472K | 0.0% |
| Chrysler | 4 | $400K | 0.0% |
| Pearle Vision Center | 3 | $60K | 0.0% |
| Quiznos | 3 | $525K | 33.3% |
| Pat's Pizza | 2 | $275K | 0.0% |
| Line-X | 2 | $95K | 0.0% |
| Cko Kickboxing | 2 | $80K | — |
| Dairy Queen | 1 | $480K | 0.0% |
| Volvo (dealers) | 1 | $250K | 0.0% |
| Meineke Car Care | 1 | $90K | 0.0% |
| UPS Store | 1 | $90K | 0.0% |
| Gmc (dealers) | 1 | $100K | 0.0% |
| Servpro | 1 | $125K | 0.0% |
| Dunkin' Donuts | 1 | $85K | 0.0% |
| Safe Ship | 1 | $25K | 0.0% |
| Midas | 1 | $150K | 0.0% |
| Koko Fitclub | 1 | $150K | 0.0% |
Lending volume by year
1'93
2'94
1'96
3'97
2'99
5'00
2'01
2'02
2'03
4'04
4'05
3'06
2'08
1'10
1'12
4'15
1'16
2'17
Bar Harbor Bank & Trust default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$4.7M
Defaults1 of 42
Risk tierEXCELLENT
Avg rate5.19%
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%).